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Cell Phones, Technology, and Digital Proof of Insurance

Developments in state-of-the-art technology have changed many sides of normal life. As computers advanced most were able to pay bills online, set up automatic bill pay, and send an email to a friend which is delivered instantly. Then the advancements of cell phone technology literally made almost every thing we do mobilized. Or we can take our phone with us and pay bills, sent texts, emails, etc. The trend of cell phone use continues to climb each and every year.

What Exactly is Digital “Proof of Car Insurance”

What does this have to do with car insurance? Instead of carrying theI have Insurance See My Phone document from your insurer you may be able to show proof of insurance with your cell phone. Companies, such as the Geico, which have proof of insurance; you would be able to get an app (cell phone app) from Geico, for example, and have proof of insurance within minutes.

The only downside to this method is many drivers forget to update their records. Typically, and depending on the State, if you are a pulled over by the authorities and you do not have proof of insurance many officers would call the insurance company to verify.

If Connected to the Internet You Have Proof

Some states require you to always have proof of insurance and if your records are not up to date then you would go to court to proof you have car insurance. The solution for some drivers? Let drivers show proof of insurance on their smart phone, or tablet, and if they have a laptop handy, that is able to connect to the internet, then you could use a laptop computer too.

Not all states except Electronic Proof

The first State to bring the mobile device “proof of insurance” solution was Idaho which recently passed a bill. The bill stated that proof could be provide through a electronic device or paperwork. The next State was Arizona which permits drivers to provide the same proof through electronic or paperwork methods. Soon after, the State of Louisiana passed a similar bill. Two other States, California and Virginia are looking into a similar bill for drivers to provide proof.

Couple DrivingAlthough not all States accept electronic proof, such as the State of Florida, (as of 2014 Florida does) it may come in a few short years where every State in the United States is going to accept electronic proof for vehicle owners. If you are unsure if your State offers electronic proof then you may want to call your insurer and ask if it does. You may want to ask about reduced car insurance quotes if you are paperless. In the meantime, it is required for you to keep your proof of insurance on you, or in your vehicle.

Making Life Easier for Drivers

As the electronic age is making life easier for everyone to keep records and documents handy, the most important aspect to keep your car insurance rates low is to be sure you drive safe and stay accident free. As of now, there is no electronic device which can help a driver do that.

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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