2019 Bills

SB 186: Proof of Vehicle Insurance Modifications

To track the status of this bill, find it on our Legislation Tracker. Click here to contact the sponsor of the bill to share your thoughts, or click here to email your Senator and Representative about it.

Libertas Institute supports this bill

Staff review of this legislation finds that it is aligned with our principles and merits support.

Last year, the Legislature approved a bill to do away with the statewide requirement to carry a physical vehicle registration card. They decided that penalizing someone for not carrying an actual card was too harsh when the person had indeed complied with the registration law by registering their vehicle. Law enforcement has the ability to look up the registration with the driver’s information alone. The reason for that law is because the nation is moving towards a more electronic platform, and it doesn’t always make sense to have physical paper cards anymore.

The same standard could be applied to vehicle insurance. This may be why Senator Jake Anderegg is sponsoring Senate Bill 186. The bill would repeal a requirement to carry physical evidence of insurance, in paper form, for example. Under his bill, one would be able to also show proof via your electronic device. This means that if you forget to put your insurance card in your car, and are later pulled over, you could still prove your vehicle is ensured by pulling up the necessary documents on your phone.

Furthermore, SB 186 protects drivers from being penalized for failing to provide proof of insurance. If an individual is cited or arrested for not having proof of vehicle insurance, they are able to provide proof from the insurance company after the incident occurs.

This bill gives leniency for insured vehicle owners who are complying with the insurance portion of the law but may not be in compliance with carrying proof of insurance. It is a mercy bill that upholds justice while removing strict penalizations for technicality errors.

  • HPL

    As a software developer that deals with a lot of privacy and data governance, I feel that handing your unlocked phone to a police officer opens up more issues than simply complying with the existing law. Sure, you may have a picture copy of your insurance information on your phone and use the paper insurance card as a primary means, but you’re still opening up your privacy to the police officer who simply can take the phone “to verify” the information and start swiping left and right to get to all your other pictures, and potentially open up any other apps, like your email, while huddled away in his patrol car.

    This doesn’t make sense to me from my perspective.

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