Alaska, the most recent state to join the “E-card” authorization regulation puts the law into effect on July 1st. According to the legislative sponsors, the purpose in this law is to push for a paperless environment, simplify routine traffic stops and create an easier insurance verification processes.
Traditional Car Insurance Validation Takes Too Long
Traditionally, validating insurance takes several hours at the courthouse, whereas the use of “E–cards” takes just a few minutes to validate. The use of the digital cards is also legal in other states like, North Dakota, Alabama, Arkansas, Arizona, California, Colorado, Georgia, Indiana, Idaho, Iowa, Kentucky, Louisiana, Minnesota and a few others. In total, about half the nation now accepts this form of proof of car insurance, a real milestone as of its inception just two years ago.
Because this is a more efficient way of showing verifiable insurance, there are proposals to pass the “E–card” verification process in other states as well. These proposals are almost guaranteed to pass and to be confirmed by state governors.
Consumers looking for car insurance quotes should make sure that any insurance carrier they consider carries this new feature, as it is much more convenient than carrying a little piece of paper in the glove apartment.
Indications of Modernization
This new adoption is more than just a convenient method of proving that you have auto insurance. It is a sign that government laws are changing and modernizing. It means legislators are making room for consumer electronics, and businesses that conduct transactions over the Internet.
Other New Laws
Besides proof of insurance over mobile devices, there are other laws that will make buying car insurance online more practical. These will allow providers to send insurance quotes and other insurance related information, such as renewal forms, over the Internet to customers. These laws are now active in Kansas, Idaho, Kentucky, and Minnesota. Legislators from other states are also reviewing this future possibility in Florida, Missouri, California, Pennsylvania and Texas.
What Does This Mean for You?
Of course, this means more convenience for insurance providers, customers and government agencies; it saves time for everyone. However, the electronic delivery of insurance documents also means you have more choices and more flexibility when it comes to car insurance quotes or policies. Policyholders and auto insurance directives believe that these laws are a step in the right direction; a foot forward towards 21st-century modernization. These regulations will make car insurance comparison shopping easier, and help consumers find cheap car insurance rates that fully cover their needs.
Other laws are also soon to go into effect; these will allow for car insurance providers to place policy information online so policyholders can easily access it over the Internet. Such laws already exist in Arizona, Minnesota, Oklahoma, Kansas, Texas and Alaska. Governors in other states are also considering such legislation. The benefit in doing this is to allow auto insurance companies to be more competitive, but also for consumers to look for these types of features in their new online insurance policy options.
source: insurancequotesfast.com
