Digital Proof of Insurance Continues to Grow in Popularity

by on Dec 01, 2013

As Florida becomes the 29thstate to allow drivers to respond to the usual “license and registration” call from police by pulling out their cell allstate_logophone and showing a digital proof of insurance, we reflect on the rapid expansion of this offering within the P&C space.

Earlier this month, Allstate became the latest P&C insurer we cover to add the ability to view ID cards via mobile app. This brings the total number of P&C Insurance Monitor firms offering digital ID cards on their mobile app to nine with seven also making digital proof of insurance available on their mobile sites.

Digital ID Cards Vary in Design
P&C insurers have employed different designs for their digital ID cards. GEICO offers horizontal cards with the ability to swipe between separate cards for separate vehicles. Liberty Mutual allows users to view both sides of their ID cards where users can find the phone number to report claims, call customer service or request roadside assistance similar to the physical copy. On Mobile apps, you can usually expect a link to ID cards to be featured prominently after login.

If you live in a state that doesn’t allow the use of digital ID cards, expect to see a disclaimer similar to the one below stating that the card is a “courtesy” copy and not legal proof of insurance. If you are interested in learning if digital proof of insurance is approved in your state, click here to find out!

 

Allstate Digital Proof of Insurance
Allstate Digital Proof of Insurance
Closing Thoughts
It has been some time since paperless billing and policy documents became ubiquitous features in the market, forcing drivers to print their own ID cards. Soon, drivers may not have to worry about them at all. Mobile device features have been a prime target of major P&C firms competing in the personal auto insurance market and with legislative expansions of mobile capacities like in Florida, we expect mobile features to continue to grow.