- Posted April 30, 2014 by
Are E-Insurance Cards A Good Idea?
More than a dozen states allow drivers to show a digital or E-insurance card on their smart phones to police officers in addition to the traditional paper insurance cards most keep in their glove compartment. States who accept e-insurance cards include California, Colorado, Indiana and Kansas.
A digital insurance card shows the exact same information as on the traditional hard copy except in digital form.
E-insurance cards bring up a variety of issues including liabilies in case a police officer drops someone's smart phone and privacy concerns. Some states have added provisions which protect the officer in case he or she accidentally drops the phone; an issue to be considered since some smart phones, like the iphone can cost nearly $600.
Privacy is another issue since some individuals may have concerns about an officer browsing their phone and viewing stored images without consent. Legally, officers are only supposed to examine the actual insurance e-card.
Proponents of e-insurance card say it saves paper and postal costs. Not everyone is jumping on the bandwagon though; some drivers may not own a smart phone and prefer using a hard copy. It may also be a good idea to still keep a hard copy in the glove compartment just in case your phone is out of batteries or not working properly for some reason. Most insurance companies offer this utility via an app which needs an internet connection in order to work properly which means it may not work if it can't connect to the internet.