Legal analysis: the electronic auto insurance policy began to be piloted in Beijing on 20 17, and then it was gradually implemented in Shenzhen, Shandong and other regions. After the auto insurance reform in 2020, the provinces and cities known to use auto insurance electronic policies are Beijing, Shanghai, Shandong, Shanxi, Guangdong, Henan, Hubei and other provinces and cities.

Legal basis: Article 13 of the Insurance Law of People's Republic of China (PRC) * * * The insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms.

Article 5 of the Electronic Signature Law of People's Republic of China (PRC) shall be regarded as a reliable electronic signature if the electronic signature meets the following conditions at the same time: (1) When the electronic signature is used for electronic signature, it belongs exclusively to the electronic signatory; (2) When signing, the electronic signature production data is only controlled by the electronic signer; (3) Any changes to the electronic signature after signature can be found; (4) Any changes to the content and form of the data message after signature can be found. The parties can also choose to use electronic signatures that meet their agreed reliable conditions.