Electronic Car Insurance Kicks In for Indiana, Georgia, Iowa

July 1 marks the date when many pieces of state legislation recently passed by lawmakers go into effect.

And this July 1, car insurance-related bills are pushing several states to go paperless.

From Iowa to Georgia to Indiana, new laws go into effect that change the way you conduct all sorts of your car insurance-related business, from buying car insurance coverage to proving auto insurance.

E-posting and e-delivery bills allow consumers and insurers to conduct business online. E-posting bills allow consumers to view insurance policy information online. E-delivery bills allow consumers to conduct insurance business online, including endorsing and signing documents. But both types of bills typically set privacy-related provisions.

Car insurance e-proof bills allow consumers use digital means to prove that they have car insurance, typically through an insurer-provided “e-card.” E-cards are hyped by major insurers like GEICO as the new electronic option of the traditional hard-copy car insurance ID card.

The bills form a trend in the insurance industry termed “e-commerce.” Here is a look at several states where e-commerce bills go into effect today:

Indiana

HB 1058 brings e-posting and e-delivery to Indiana drivers. It was signed into law March 25 and goes into effect today. The Indiana e-proof law went into effect last year.

Georgia

HB 645 brings e-posting and e-delivery to Georgia drivers. It was signed into law April 29 and goes into effect today. The Georgia e-proof law went into effect last year.

Iowa

SF 2105 brings e-posting and e-deliver to Iowa drivers. It was signed into law March 14 and goes into effect today. The Iowa e-proof law went into effect last year.

Delaware

Last week, the First State’s governor signed HB 258 into law, allowing Delaware drivers to use e-cards if they need to prove that they have valid coverage.

2014 an Active Year for E-Commerce Legislation

There was a flurry of legislative action on e-commerce bills in the car insurance industry this year, according to Property Casualty Insurers Association of America (PCI).

There are now 19 states with e-posting laws, according to PCI. The latest figures show that six states passed e-posting laws in 2014:

  • Indiana
  • Iowa
  • South Dakota
  • Utah
  • Wyoming
  • Georgia

There are now 25 states with e-delivery laws, according to PCI. The latest figures show that eight states passed e-delivery laws in 2014:

  • Arkansas
  • Indiana
  • Iowa
  • Maryland
  • Oregon
  • South Dakota
  • Wyoming
  • Georgia

There are now 37 states with e-proof laws, according to PCI. The latest figures show that five states passed e-proof laws in 2014:

  • Delaware
  • Maryland
  • Rhode Island
  • South Carolina
  • South Dakota
About Charles Nguyen
Charles Nguyen is an enterprising journalist who reported for Patch.com and the Desert Dispatch and was the editor in chief of the Guardian (the twice-weekly newspaper at the University of California, San Diego) before coming to Online Auto Insurance News.

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