Digital Proof of Insurance: Is Paper Still Necessary?

Knowing that you have insurance may not always be enough. In many situations, other parties may require proof of your coverage before agreeing to leases, mortgages and other arrangements. But in today’s digital-first world, things are changing; insurance providers are increasingly offering electronic proof of coverage. Whether it’s for your car, home or rental property, digital insurance documents are becoming the norm. But that doesn’t mean you can completely forget about paper copies.

What Is Proof of Insurance?

Proof of insurance is a document that confirms you have an active policy. It includes essential details like your name, policy number, coverage dates and the insured asset, such as a car or home. This proof is often required when registering a vehicle, signing a lease or filing a claim.

Are Digital Versions Used?

Digital proof of insurance has become widely accepted across many types of insurance. Auto insurance, in particular, has embraced digital formats. Nearly all U.S. states now allow drivers to show proof of coverage via smartphone apps or email during traffic stops. Similarly, homeowners and renters insurance documents are often accepted digitally by landlords, lenders and property managers. However, acceptance can vary depending on the institution. Some government agencies, legal entities or older systems may still require or prefer printed documentation.

Should I Still Keep Paper Copies?

While digital access can be convenient, keeping paper copies of your insurance policies as backups is generally advisable. A printed version can be invaluable during certain circumstances, such as if you have a dead phone battery or poor internet access, or when dealing with organizations that don’t accept digital files. For example, some landlords or DMV offices may still request hard copies of your insurance documents.

We’re Here to Help

At Drivers Insurance LLC, we’re here to help individuals, families and businesses in , 0 understand all aspects of their coverage needs and address them appropriately. Contact us today to learn more or compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.