New Jersey House Advances Legislation to Make it Easier to Show Proof of Insurance

E-Insurance Card Continues Movement Toward Providing Consumers Greater Access to Coverage Information

TRENTON - In recognition of the widespread use of mobile technology, the New Jersey House passed legislation yesterday that will allow consumers to have the choice of using cell phones or other electronic devices to show their insurance card if stopped by law enforcement,according to the Property Casualty Insurers Association of America (PCI).

Assembly Bill 3905, which would authorize operators of motor vehicles to display electronic proof of insurance, is also being considered in the Senate.

“New Jersey is moving in the right direction and providing consumers with new options that increase flexibility and choice,”said Micaela Isler, assistant vice president state government relations for PCI. “We live in a world where consumers are using their cell phones for more and more things. They want less paper and like any other business, insurers want to meet their policyholders’ needs and expectations. However, those policyholders who still want a paper copy of the policy would still be able to receive one in the mail. This bill also maintains important consumer protections while giving policyholders a user-friendly and convenient way to access their coverage information.”

There are 37 states with e-card laws. In 2014 Delaware, Maryland, Rhode Island, South Carolina and South Dakota enacted e-card legislation. The trend of states modernizing their insurance laws has advanced quickly. In 2011, no states allowed drivers to use their cell phone to show proof of insurance in a traffic stop and today more than two-thirds of the states have enacted laws or adopted regulations.

Contact: Jeffrey Brewer
Phone: 847-553-3761


About Us

PCI is composed of nearly 1,000 member companies, representing the broadest cross section of insurers of any national trade association. PCI members write $216 billion in annual premium, 36 percent of the nation's property casualty insurance. Member companies write 43 percent of the U.S. automobile insurance market, 29 percent of the homeowners market, 34 percent of the commercial property and liability market and 36 percent of the private workers compensation market.




Quick facts

37 states with e-card laws that allow consumers to use smartphones to show their insurance card
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New Jersey moves closer to becoming the latest state to let consumers use electronic insurance ID cards
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New Jersey is moving in the right direction and providing consumers with new options that increase flexibility and choice.
Micaela Isler, assistant vice president for PCI