The state legislature is considering a bill that would allow motorists to show electronic proof of insurance instead of a paper card during traffic stops. State Assemblyman Craig Coughlin (D-Woodbridge) has introduced a bill that would do away with the requirement to have a physical insurance card in the glove compartment.
“The bill will modernize the process of providing evidence of auto insurance coverage in an environmentally friendly way that keeps up with consumer demands for greater electronic communication and interactions,” said Frank Jones of the Independent Insurance Agents and Brokers of New Jersey.
Currently, a driver must have evidence of insurance coverage via a paper card provided by the insurance carrier. This evidence of insurance is required to accompany the driver at all times while operating a vehicle. The operator must also be able to produce this proof of coverage upon request by law enforcement or court officials.
Coughlin’s legislation will allow the evidence of insurance to be displayed by the consumer in an electronic form, via a smartphone, tablet or other mobile device. Motorists could continue to use paper cards if they prefer.
Currently, 75 percent of states permit electronic proof of coverage.