I carry my wallet, with ID and my insurance card when I ride, but I recognize that a person can fairly easily be separated from their things in an emergency situation, so I also have a road ID too and it has my insurance info engraved on it. My husband thought that number can change too easily, but I had a spare line, so I figured that there was no harm in it. Plus I race and I *don't* carry a wallet when I do that - so I wouldn't have my insurance card on me if, forbid, I had a severe accident in a race - but I do wear my road id. I went with the wrist ID on the recommendation of an ER doc (was it TXdoc?) here.