It is almost mandatory for anyone stopped by traffic cops to show a physical copy of their insurance card. Not everyone always has it with them when asked for it. It is for this reason that the introduction of electronic proof of insurance feels like a big relief to vehicle owners. This highly appreciated technology started way back in 2002 but not many states took up the challenge. Idaho is the first that started it but as things stand today, only a handful of states that have not made it into law.

What is electronic proof of insurance?

Not everyone is aware what an electronic proof of insurance is. Still not everyone knows how to go about obtaining it and how it works. However like the name says, proof of insurance is simply a record that shows or clarifies that you meet your particular state’s requirements for your vehicle insurance. Insurance companies issue electronic proof of insurance and the methods used to display them. Insurance companies differ in the way they avail and display the electronic proof. Whichever method the insurance firms use, there is one constant factor, instead of fumbling through your glove compartment looking for a physical insurance card, all you do now is hand over your phone to the traffic officer and have them check all your insurance details from an app.

Insurers mostly use these two different ways to store up electronic insurance proof on their clients mobile devices. They either store a pdf with all the clients insurance details on the clients mobile device or an insurance card downloaded from the insurers app. Almost every state accepts the two methods as valid.

How do you get instant online proof of insurance?

Getting your online proof of insurance is very easy and takes a very short time. All you need to do is follow a few instruction and your insurance firm instantly sends your proof to your email or via fax. After purchasing your auto insurance policy, keep this original piece of information in your car all the time as proof that your insurance is valid. A few minutes later, the same insurance company will email you your proof.

Is it safe to use electronic proof of insurance?

There has been concern from some people about the safety and privacy of using mobile devices. For privacy, some states like Rhode Island have addressed the issue and stated that no officer should view any other information besides the proof of insurance from a driver’s mobile device. Any officer breaking that rule is breaking the law. As for damages, motorists are wholly responsible for the mobile devices even when they are in the possession of the law enforcement officers.

Who can use the electronic proof of insurance?

Well as long as you are an adult and own a vehicle you are entitled to own an electronic proof of insurance. However before you go flashing your mobile device to an officer to show your proof, make sure the state you are in regulates the use of electronic proof of insurance. You can check for these details from your local motor vehicle department or your local state department of law enforcement office.

Wrapping it up

Remember failure to drive without proof of insurance will get you a ticket faster than you anticipate. Even though the electronic proof is such a relief, it is always good to have back up. So always carry your paper version of the insurance just in case your smartphone dies on you just after getting stopped or you get pulled by an officer who does not have a single clue about the new law and the electronic proof of insurance.