Grundy does not issue HARD insurance binder cards, only paper ones. This creates issues with DMV's as they claim paper binders can be copied and lead to fraudulent activity. DMV workers are not willing to confirm insurance electronically as it is more work for them. Grundy has no plans to change from paper and was no help in my situation. It took 2 1/2 weeks to remove the policy. User's recommendation: Do not buy Grundy Insurance.