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  • I received a request for insurance verification on one of my vehicles. Should I expect to receive a request for insurance verification for all my vehicles?
View All General - Liability Insurance, Liability Insurance FAQs

I received a request for insurance verification on one of my vehicles. Should I expect to receive a request for insurance verification for all my vehicles?

Not necessarily. On a periodic basis, the DOR attempts to verify insurance for all registered vehicles. If insurance coverage cannot be verified for a vehicle, the DOR will mail an MLI verification notice to the address on the vehicle registration and/or email (if email address is available) the registrant asking for evidence of insurance on the vehicle.

Not necessarily. On a periodic basis, ALDOR attempts to verify insurance for all registered vehicles. If insurance coverage cannot be verified for a vehicle, ALDOR will mail an MLI verification notice to the address on the vehicle registration and/or email the registrant (if email address is available) asking for evidence of insurance on the vehicle.

Related FAQs in General - Liability Insurance, Liability Insurance
Registrants are required to provide licensing officials with insurance information (policy number, NAIC #, policy type), including updates, when the vehicle is registered. This information is used by DOR to verify vehicle insurance using the Online Insurance Verification System (OIVS).

ALDOR uses the online insurance verification system (OIVS) web services to verify policy information with insurers in real time. The OIVS is accessible to ALDOR, licensing officials, and law enforcement.

If OIVS does not return a “confirmed” response, the registrant will be required to present the evidence of insurance document.

ALDOR will continue to attempt to verify the policy information submitted and will send a verification notice to the registrant to follow up on any unconfirmed responses received from the insurer.

 

The online insurance verification system (OIVS) uses web services for real-time verification of policy information with insurers. The OIVS is accessible to ALDOR, licensing officials, and law enforcement. If OIVS does not return a “confirmed” response, the registrant will be required to present the evidence of insurance document. ALDOR will continue to attempt to verify the policy information submitted and will follow up on any unconfirmed responses received from the insurer by sending a verification notice to the registrant.

Differences between the Vehicle Identification Number (VIN), insurance policy number, or National Association of Insurance Commissioners (NAIC) number provided to local licensing officials could result in the insurer being unable to verify insurance coverage for the vehicle. To determine a possible VIN discrepancy, you should check the VIN listed on your insurance card and registration receipt to find any discrepancies. If the VIN on your insurance card is incorrect, you should contact your insurer to get the information corrected. If you believe the VIN reflected on your registration receipt is incorrect, you should check with your local licensing official.

Not necessarily. On a periodic basis, ALDOR attempts to verify insurance for all registered vehicles. If insurance coverage cannot be verified for a vehicle, ALDOR will mail an MLI verification notice to the address on the vehicle registration and/or email the registrant (if email address is available) asking for evidence of insurance on the vehicle.

Reinstatement fees are only due when the vehicle was not insured on the insurance verification date, or the vehicle did not qualify for an exemption (sold, stored, inoperable, etc.).