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Electronic Auto Insurance

KLFY.com -- A new law will allow Louisiana drivers to use smart phones or any other electronic device to show proof of insurance coverage. Following strong support by legislators... Governor Bobby Jindal signed the bill into law last week making Louisiana the third state, after Idaho and Arizona, in the U-S to enact such a law.

Under the new law, drivers must have images or photocopies of a policy card or documents when showing coverage to authorities to prove they have the proper forms in place to operate a vehicle.

Lawmakers say having electronic-proof will benefit all motorists as smart phones are becoming more wide-spread among drivers. The law goes into affect August 1st.

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Submitted Jun 21, 2012 By: angel4me

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doctorindyj Champion Author Santa Fe Posts:3,458 Points:840,785 Joined:Nov 2009	Message Posted: Jun 21, 2012 10:26:48 AM Ignore doctorindyj Report Abuse Right on. Big brother isn't in our lives enough already. Bring on more surveillance, more intrusions and tie a camera to our heads. Implant a gps tracker under my skin and tattoo my forearm so they know which concentration camp -- sorry re-education camp- to send me to. Those who give up freedom for security deserve neither.
Dr Gas Champion Author Twin Cities Posts:3,270 Points:358,505 Joined:May 2004	Message Posted: Jun 21, 2012 10:08:49 AM Ignore Dr Gas Report Abuse Better yet make the insurance companies report to a central data base info on the drivers coverage. That way it's updated instantly, and availabe to ALL officiers in any state. Making the driver have the proof on his phone - WRONG!
Goatroper Champion Author Dallas Posts:6,604 Points:1,295,435 Joined:Apr 2004	Message Posted: Jun 21, 2012 9:58:39 AM Ignore Goatroper Report Abuse Great idea. I think the insurance companies should report a driver to the state when they drop coverage. There's too many that buy insurance just to get their vehicle registered, then drop coverage.
mike1881 Champion Author Fayetteville Posts:1,300 Points:565,400 Joined:Feb 2011	Message Posted: Jun 21, 2012 9:52:37 AM Ignore mike1881 Report Abuse Makes sense to me. everything is digital these days anyways.
Skunk63 Champion Author Phoenix Posts:2,559 Points:559,310 Joined:Oct 2011	Message Posted: Jun 21, 2012 9:29:08 AM Ignore Skunk63 Report Abuse Nice option in theory unless your phone is lost. Or you have a dead battery.
ccf_jeff Champion Author St. Louis Posts:15,292 Points:2,565,550 Joined:Sep 2005	Message Posted: Jun 21, 2012 9:11:09 AM Ignore ccf_jeff Report Abuse That would seem to make it easier to try and trick authorities. I think a better way would be to have the police be able to check their computers to see whether they have a valid policy on file. Or they could set it up to tie in directly to the insurance company's database to verify they have a valid policy in force. Even if the drivers didn't make or alter an old card to put on their smart phone, it's pretty common for people to buy a policy when it's time to renew their drivers license, pay one month and then let it lapse. They can use the ID card for 6 months, and with the many free programs out there for editing photos and .pdf files it's a simple matter to change the dates at will. This solution is not so high tech as it may sound at first glance. It's more of a gimmick that can easily be abused, to the detriment of the innocent victims injured by uninsured drivers. [Edited by: ccf_jeff at 6/21/2012 9:15:33 AM EST]
gs7101 Champion Author San Antonio Posts:5,528 Points:388,895 Joined:Jun 2009	Message Posted: Jun 21, 2012 7:49:55 AM Ignore gs7101 Report Abuse Good if you own a smart phone.
CivicMA Champion Author Boston Posts:1,902 Points:535,420 Joined:Jun 2011	Message Posted: Jun 21, 2012 7:40:30 AM Ignore CivicMA Report Abuse Makes a lot of sense. Another method allowed in lieu of paper.
blupupher Champion Author Houston Posts:3,555 Points:749,020 Joined:Feb 2011	Message Posted: Jun 21, 2012 7:38:50 AM Ignore blupupher Report Abuse a piece of paper is so hard to carry?
gandalfthegrey1 Champion Author Houston Posts:1,184 Points:384,785 Joined:Feb 2011	Message Posted: Jun 21, 2012 7:11:54 AM Ignore gandalfthegrey1 Report Abuse Ok. Would be wise to carry some kind of backup tho. What if the battery goes? What if you phone is stolen? What if there's a blackout of some kind? We have to carry proof of insurance here and the carrier sends it to you. I'm fine w/ that.
mastermariner Champion Author Texas Posts:4,249 Points:494,800 Joined:Jun 2011	Message Posted: Jun 21, 2012 7:11:14 AM Ignore mastermariner Report Abuse Good
335d1 Champion Author Virginia Posts:2,386 Points:760,020 Joined:Feb 2011	Message Posted: Jun 21, 2012 6:41:28 AM Ignore 335d1 Report Abuse Makes sense.
SUNOIL Champion Author Toledo Posts:5,250 Points:1,926,230 Joined:Jul 2007	Message Posted: Jun 21, 2012 6:39:23 AM Ignore SUNOIL Report Abuse Just carry your card.
MikeCapeCoral Champion Author Cape Coral Posts:1,938 Points:420,820 Joined:Feb 2012	Message Posted: Jun 21, 2012 6:38:31 AM Ignore MikeCapeCoral Report Abuse This is the 21st century... why not?
farmboyTN Champion Author Tennessee Posts:2,267 Points:450,285 Joined:Feb 2012	Message Posted: Jun 21, 2012 6:25:06 AM Ignore farmboyTN Report Abuse ok
MImusicman Champion Author Michigan Posts:1,878 Points:408,650 Joined:Mar 2012	Message Posted: Jun 21, 2012 6:01:44 AM Ignore MImusicman Report Abuse Good question JagXKR
wrunner Champion Author Virginia Posts:4,450 Points:1,137,560 Joined:Dec 2009	Message Posted: Jun 21, 2012 5:27:03 AM Ignore wrunner Report Abuse Interesting!
StrayArc Rookie Author Virginia Posts:38 Points:14,105 Joined:Jun 2012	Message Posted: Jun 21, 2012 4:33:31 AM Ignore StrayArc Report Abuse dont trust them
Cothrom Champion Author South Carolina Posts:1,761 Points:726,555 Joined:Sep 2005	Message Posted: Jun 21, 2012 4:29:45 AM Ignore Cothrom Report Abuse Oh we roll ahead!
SBlouch Champion Author San Antonio Posts:8,735 Points:1,860,240 Joined:Apr 2007	Message Posted: Jun 21, 2012 4:00:59 AM Ignore SBlouch Report Abuse Well, I do not have a smart phone, so I guess my paper proof of insurance will have to do.
JagXKR Champion Author British Columbia Posts:3,164 Points:1,092,355 Joined:Dec 2009	Message Posted: Jun 21, 2012 3:41:47 AM Ignore JagXKR Report Abuse What about a smart phone with a dumb user?
humblepie Champion Author Toledo Posts:34,256 Points:2,372,345 Joined:Mar 2006	Message Posted: Jun 21, 2012 3:13:35 AM Ignore humblepie Report Abuse and if you have a "dumb" phone ?
JohnofGB Champion Author Flint Posts:5,426 Points:1,097,170 Joined:Feb 2010	Message Posted: Jun 21, 2012 2:49:54 AM Ignore JohnofGB Report Abuse Great idea.
gaswatchON Veteran Author Ontario Posts:463 Points:118,405 Joined:May 2012	Message Posted: Jun 21, 2012 2:18:26 AM Ignore gaswatchON Report Abuse This Will Work
AskMeLater Champion Author Amarillo Posts:1,993 Points:579,000 Joined:Jul 2005	Message Posted: Jun 21, 2012 2:10:11 AM Ignore AskMeLater Report Abuse I like it. Hopefully it catches on in other states.
FlyNFool Champion Author South Carolina Posts:8,244 Points:1,685,950 Joined:Aug 2008	Message Posted: Jun 21, 2012 1:09:16 AM Ignore FlyNFool Report Abuse Sounds good!
trinda1 Champion Author Fort Worth Posts:2,011 Points:544,795 Joined:Dec 2010	Message Posted: Jun 21, 2012 12:59:48 AM Ignore trinda1 Report Abuse That's good. I received a ticket one time because I didn't have my card.
dave27johnson Champion Author Chicago Posts:1,788 Points:409,345 Joined:Feb 2012	Message Posted: Jun 21, 2012 12:41:43 AM Ignore dave27johnson Report Abuse A modern law.
lesndave Champion Author Texas Posts:3,042 Points:702,130 Joined:May 2011	Message Posted: Jun 21, 2012 12:39:11 AM Ignore lesndave Report Abuse Sounds easy to forge.