Senate Bill 392 Summary

• Requires insurers to provide two physical certificates of insurance per insured vehicle, with one marked as the secretary of state's copy that the policyholder must file with vehicle registration applications.

• Allows insurers to provide certificates of insurance in electronic form if requested by the insured.

• Requires insurers to supply vehicle insurance information to the secretary of state every 14 days for private passenger nonfleet automobiles, including insurer name, insured's name and address, vehicle identification number, and policy number.

• Establishes that vehicle identification number transmission to the secretary of state serves as proof of insurance for registration purposes only and does not prove an actual policy exists.

• Permits drivers to provide proof of insurance in paper or electronic form; failure to produce such evidence creates a rebuttable presumption of no insurance in prosecutions for operating an uninsured vehicle.

• Imposes penalties of up to $1,000 fine or 1 year imprisonment for submitting false information or using altered/fraudulent insurance certificates, and $200-$500 fine or up to 1 year imprisonment for operating a vehicle without required security.