Every year a few legislative issues sweep across the country, highlighted by 2013's demand for e-card legislation that allows drivers to use their cell phones to show their insurance identification cards.

Consumers want less paper and more online account features. Insurers, like any other business, want to meet their policyholders' needs and are developing apps and expanding online services to satisfy customer expectations. E-cards are a common-sense switch that can save everybody time and effort.

In keeping with customer demands for technology, e-card legislation also solves a practical problem. Nearly everyone has dug aroundin the glove box, desperately trying to find an insurance card.

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