ACT175 - Arkansas 2013 Senate Bill 243 - Electronic Display of Proof of Motor Vehicle Liability Insurance

Sep 24, 2026

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Arkansas 2013 Senate Bill 243 amends state insurance and registration law to permit the electronic display of proof of motor vehicle liability insurance for insurance and registration purposes. It defines “electronic form” as an electronic image shown on a cellular phone or other portable device with sufficient functionality and display capability. The bill also clarifies liability limits for the Department of Finance and Administration and states that certain provisions do not apply to state-owned vehicles operated by state employees.

LanguageEnglish

CategoryLetters

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Pages3

Reading Time1 min

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SECTION 1. Arkansas Code § 27-13-102 is amended

Proof of insurance required

Liability limitation for record keeping and plate administration

Exceptions for state-owned vehicles

SECTION 2. Arkansas Code § 27-22-104 is amended

1 State of Arkansas As Engrossed: S2/12/13 2 89th General Assembly A Bill 3 Regular Session, 2013 SENATE BILL 243 4 5 By: Senator Teague 6 By: Representatives Lea, Barnett 7 8 For An Act To Be Entitled 9 AN ACT TO PERMIT THE ELECTRONIC DISPLAY OF PROOF OF 10 MOTOR VEHICLE LIABILITY INSURANCE COVERAGE FOR PROOF 11 OF INSURANCE AND REGISTRATION PURPOSES; AND FOR OTHER 12 PURPOSES . 13 14 15 Subtitle 16 TO PERMIT THE ELECTRONIC DISPLAY OF PROOF 17 OF MOTOR VEHICLE LIABILITY INSURANCE 18 COVERAGE FOR PROOF OF INSURANCE AND 19 REGISTRATION PURPOSES . 20 21 22 BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF ARKANSAS: 23 24 SECTION 1. Arkansas Code § 27-13-102 is amended to read as follows: 25 27-13-102. Proof of insurance required. 26 (a)~~ (1) Prior to January 1, 1998, no motor vehicle license plate shall~~ 27 ~~ be issued or renewed without satisfactory proof to the Department of Finance~~ 28 ~~ and Administration that the applicant meets the requirements of § 27~~-~~22~~-~~101~~ 29 ~~ et seq ~~. 30 ~~ (2) Beginning January 1, 1998, no~~ A motor vehicle license plate 31 or motor vehicle registration shall not be issued , ~~ or~~ renewed , or changed 32 unless : 33 (1) ~~ a~~ A check of the Vehicle Insurance Database indicates that 34 the ~~applicant meets~~ vehicle and the applicant’s operation of the vehicle meet 35 the motor vehicle liability insurance requirements of § 27-22-101 et seq . ; or 36 (2) ~~unless the~~ The applicant provides satisfactory proof to the 1 ~~ department~~ Department of Finance and Administration that the ~~applicant's~~ 2 vehicle and the applicant's operation of the vehicle ~~meets~~ meet the motor 3 vehicle liability insurance requirements of § 27-22-101 et seq . 4 ~~ (3) No new license plate shall be issued or renewed for a new~~ 5 ~~motor vehicle for its initial vehicle registration or for a motor vehicle~~ 6 ~~ changing its ownership without satisfactory proof to the department that the~~ 7 ~~ applicant meets the requirements of § 27~~-~~22~~-~~101 et seq ~~. 8 (b) (1) Satisfactory proof that the vehicle and the applicant’s 9 operation of the vehicle meet the motor vehicle liability insurance 10 requirements of § 27-22-101 et seq . may be presented in either paper form or 11 electronic form . 12 (2) As used in subdivision (b)(1) of this section, "electronic 13 form" means the display of electronic image s on a cellular phone or any other 14 type of portable electronic device if the device has sufficient functionality 15 and display capability to enable the user to display the information required 16 by § 23-89-213 as clearly as a paper proof-of-insurance card or other paper 17 temporary proof of insurance issued by the insurance company . 18 (c) The department ~~shall not be~~ is not liable for ~~any~~ damages to any 19 property or person due to ~~any~~ an act or omission ~~in the keeping of any record~~ 20 ~~under § 27~~-~~22~~-~~101 et seq ~~.~~ or the issuing or renewing of any motor vehicle~~ 21 ~~ license plate~~ that occurs while administering this section including without 22 limitation any damage that occurs to a cellular phone or portable electronic 23 device that is used to present satisfactory proof of motor vehicle liability 24 insurance coverage . 25 ~~ (c)~~ (d) ~~ The provisions of this~~ This section ~~shall not be applicable~~ 26 does not apply to state-owned vehicles ~~nor to~~ or state employees while 27 operating ~~the~~ state-owned vehicles. 28 29 SECTION 2. Arkansas Code § 27-22-104(a), concerning mandatory motor 30 vehicle liability insurance coverage and proof of coverage, is amended to 31 read as follows: 32 (a)(1) It is unlawful for a person to operate a motor vehicle within 33 this state ~~if both~~ unless the motor vehicle and the person's operation of the 34 motor vehicle are ~~not~~ each covered by: 35 (A) A certifi

FAQs

What does the bill allow regarding proof of motor vehicle liability insurance?

It allows proof to be presented in electronic form, using a displayed electronic image on a cellular phone or other portable electronic device, for insurance and registration purposes.

How is “electronic form” defined in the bill?

“Electronic form” means the display of electronic images on a cellular phone or other portable device with sufficient functionality and display capability to show the information required.

Are state-owned vehicles and state employees covered by these changes?

No. The bill specifies that the amended section does not apply to state-owned vehicles operated by state employees.

Sep 24, 2026

Upload by hdkawk