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Digital insurance ID cards are fast and convenient — but they have a single point of failure: they only work if the right phone, with a charge, in the right hands, is actually in the car. Florida auto insurance expert Clifford Schimek explains why he still tells clients to keep a current paper card in the glove compartment, even though he uses the digital version himself — and why the moments that matter most are exactly the moments when technology is most likely to let you down.

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