Electronic proof of insurance is OK
Question: I have a question regarding proof of auto insurance. I am attempting to go "paperless" and do all of my monthly bills online, including my auto insurance. I no longer receive a paper printout of my proof of auto insurance, is this accep...
Question: I have a question regarding proof of auto insurance. I am attempting to go “paperless” and do all of my monthly bills online, including my auto insurance. I no longer receive a paper printout of my proof of auto insurance, is this acceptable if a person is required to show it on a traffic stop or crash?
Answer: Yes, as long as a person can show the current auto insurance electronically (mobile phone or other means electronically.) Every driver, including a motorcyclist, must have in possession proof of insurance and display this proof on the demand of a peace officer (traffic stop, crash, etc.).
As of August 1, 2013, proof may be presented electronically pursuant to Minn. Stat. sec. 60A.139, subd. 2. Failure to display proof of insurance is a misdemeanor or a gross misdemeanor if it is a third violation within 10 years pursuant to Minn. Stat. sec. 169.791, subd. 2.
“Delivered by electronic means” includes, delivery to an e-mail address at which a party has consented to receive notices or documents or posting on an electronic network or website accessible via the Internet, mobile application, computer, mobile device, tablet, or other electronic device, together with separate notice of posting, which must be provided by electronic mail to the address at which the party has consented to receive notice or by any other delivery method that has been consented to by the party.
If you electronic device is not working (dead battery on your phone, website not accessible, no service, etc.), you could be cited for “no proof of insurance.”
A portion of state statutes were used with permission from the Office of the Revisor of Statutes.
If you have any questions concerning traffic related laws or issues in Minnesota, send your questions to Trp. Jesse Grabow, Minnesota State Patrol at 1000 Highway 10 West, Detroit Lakes, MN 56501-2205. You can follow him on Twitter @MSPPIO_NW or reach him at, firstname.lastname@example.org .