Car insurance is required for all drivers in California. If you are pulled over or involved in an accident, you must provide proof of insurance. But does that proof have to be a physical card, or can you use a digital version?
The good news is that California law allows drivers to show proof of insurance in either physical or digital form.
Digital Proof of Insurance is Accepted
California law recognizes electronic proof of insurance. This means you can show your insurance card on a smartphone or tablet. Most insurance companies offer mobile apps where you can access your policy details.
As of October 2022, 49 states and Washington, D.C., accept digital proof of auto insurance instead of a printed ID card. The only state that still requires a physical copy is New Mexico.
Traveling with Digital Insurance
If you plan to drive outside California, it is important to understand California car insurance requirements and how they compare to other states. When traveling through New Mexico, you should carry a printed copy to avoid any issues. Additionally, some rental car companies may require a physical insurance card, so having both options available is recommended.
Benefits of Digital Insurance Cards
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Convenience – No need to carry a paper card
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Easy Access – Available on your phone at any time
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No Risk of Loss – Unlike a physical card, you cannot misplace a digital version
When You Might Need a Physical Copy
Although digital proof is legal in most places, some situations may still require a paper copy. Certain rental car companies and auto repair shops may ask for a physical insurance card. Keeping a printed copy in your glove box is a good idea.
Why Hire Fielding Law
If you have been in an accident and are facing insurance complications, Fielding Law can help. Our team understands California car insurance requirements and will fight for your best outcome. Contact us today at 833.88.SHARK for a free consultation.
Note: Information provided is for educational purposes and does not constitute legal advice. Always consult with a qualified attorney for legal concerns.
