Breaking News about Car Insurance

Wisconsin Draws Industry Support with New ‘E-Delivery’ Law

Allstate mobile applicationCheese-heads who are part tech-heads, rejoice: A newly-enacted law in Wisconsin is “modernizing its insurance marketplace.”

So said the Property Casualty Insurers Association of America (PCI), which recently cheered Wisconsin for pieces of legislation the state ratified this year that allow electronic delivery, posting and car insurance proof.

PCI: ‘E-Delivery,’ ‘E-Posting’ Law Enforces ‘Higher Standards’

Wisconsin’s proposal for “e-delivery” and “e-posting,” as they are termed in the industry, was written into AB 373, a piece of legislation that was introduced in mid-September before taking a little more than two months to clear the entire state Legislature.

Heavy legislative support was likely driven by what PCI called the “bipartisan, consumer-focused legislative concept” that the bill contained. It allowed consumers to access information relating to their policy through their insurer’s website as well as “receive notices and documents associated with most insurance transactions electronically.”

AB 73 was signed into law by Gov. Scott Walker Thursday. It was published Friday as Act 73 and is currently in effect.

“Today consumers are very accustomed to using PCs, smartphones and tablets to conduct business and this new law removes some of the barriers for the increasing number of individuals who want to interact with, and have their insurance policies serviced, online,” Jeffrey Junkas, a PCI regional manager, said in a statement.  “While policyholders will still be able to use regular mail, they now will have more options and the flexibility to use electronic technology to a greater extent for insurance transactions.”

The law also sets standards for insurers using e-delivery and e-posting methods so that documents can be electronically “notarized, acknowledged, verified, or made under oath,” which PCI said is a “higher standard than what is required for sending insurance documents through regular mail.”

According to PCI, these 13 states have approved laws allowing policyholders to electronically access their policies:

  • Alaska
  • Arizona
  • Florida
  • Illinois
  • Kansas
  • Michigan
  • Minnesota
  • Missouri
  • Oklahoma
  • Pennsylvania
  • Texas
  • Virginia
  • Wisconsin

According to PCI, these 17 states allow e-delivery of documents and notices:

  • Arkansas
  • California
  • Delaware
  • Florida
  • Idaho
  • Kansas
  • Kentucky
  • Maryland
  • Minnesota
  • Missouri
  • North Carolina
  • Pennsylvania
  • Tennessee
  • Texas
  • Virginia
  • Wisconsin
  • West Virginia

Wisconsin Electronic Proof of Car Coverage Already in Effect

PCI also applauded Wisconsin for a new law that allows drivers to electronically display their proof of Wisconsin car insurance. Most states in the U.S. now have laws on the books that allow drivers to display “e-cards” as a form of coverage proof in some capacity.

The law went into effect in July as Act 31.

Wisconsin motorists might recognize electronic proof of coverage. The process is broadcast in the common GEICO commercials that air during many a Packers game, which is arguably easier for Cheese-head-viewing than other commercials.

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