Ore. allows electronic proof of insurance

A new law allows drivers in Oregon to show electronic proof of car insurance as a convenience if police stop them.

“This will be handy for drivers who forget to put an updated paper card in their car or wallet,” said Ron Fredrickson, manager of the Oregon Insurance Division Consumer Advocacy Unit.

Gov. John Kitzhaber signed House Bill 2107 into law on May 14, and it took effect immediately.

“People can still choose the traditional paper card to show they have the minimum coverage required by law, or they can present proof on a cellphone or other mobile device,” Fredrickson said.

Drivers must arrange with their insurance company to receive their proof-of-coverage information in an electronic format. And, using a mobile device to prove coverage does not allow police officers to search the device for any additional information.

Whether paper or electronic, motorists still must keep proof of current and valid insurance in the vehicle. So, someone who chooses the electronic format must keep the phone charged. Failure to carry proof of insurance is a Class B traffic violation with a typical $260 fine.

“One warning: If you are headed out of state, make sure you know the rules in other states,” Fredrickson said.