I just emailed an ID card for one of our customers and realized that not everyone in Arkansas is aware of Act 175.
Proving coverage by electronic means is now a reality in Arkansas.
Act 175, formerly SB 243, was signed by Gov. Mike Beebe.
Similar bills are advancing across the U.S., as legislators promote efforts to bring state laws in line with an industry and public that is progressively more technology-reliant. Major insurers like State Farm and GEICO already offer smartphone-compatible formats of policies that can be displayed on electronic devices. The Property Casualty Insurers Association of America (PCI), a national trade group, calls those electronically displayed policies “e-cards.”
“E-cards” are acceptable means of proving coverage under the new law, but other smartphone-capable formats can also serve as valid proof of coverage. A photo of the policy card or policy documents is acceptable, with the only requirement being that they be displayed on the device with the same relevant information that those documents contain “as clearly as a paper proof-of-insurance card or other paper temporary proof of insurance” when needed during traffic stops and vehicle registration, according to the law’s language.