Question: I have a question regarding electronic proof of 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 the driver or registered owner can show the current auto insurance electronically (mobile phone or other means electronically). Every driver, including a motorcyclist, must have proof of insurance and display it on demand of a peace officer.
Proof of insurance 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 web site 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 your 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.” I recommend that you print a copy of your insurance card in case your electronic equipment is unable to display your proof of insurance and keep it in your vehicle.
If you have any questions concerning traffic related laws or issues in Minnesota send your questions to Sgt. Troy Christianson – Minnesota State Patrol at 2900 48th Street NW, Rochester MN 55901-5848. (Or reach him at, Troy.Christianson@state.mn.us) Twitter: MSPPIO_SOUTH