The evidence of insurance required by this section must be in the form of a certificate of insurance executed by an insurer authorized to engage in the business of insurance in this state and countersigned by an insurance agent licensed with this state.

• A. A certificate of insurance executed by an insurer not authorized in this state
• B. A certificate of insurance executed by an insurer authorized to do business in this state but not countersigned by a licensed agent
• C. A certificate of insurance not countersigned by a licensed agent
• D. A certificate of insurance executed by an insurer authorized to do business in this state and countersigned by a licensed agent

Answer: (D)

Evidence of insurance must come as a certificate of insurance issued by an insurer that is authorized to transact insurance in this state and must be countersigned by a licensed agent here. This combination ensures two protections: the insurer is properly admitted and regulated to operate in the state, and a local licensed agent has reviewed and attested to the policy, taking responsibility for its terms and ongoing coverage. If the insurer is not authorized to do business in the state, the certificate wouldn’t meet regulatory requirements. If the certificate is from an authorized insurer but not countersigned by a licensed agent, there’s no local agent verification tying the coverage to state oversight. Either way, it wouldn’t satisfy the requirement.