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  • I have an Out of State (OOS) Policy in Effect on my vehicle, can I use that to clear my MLI record?
View All Liability Insurance, Out of State Insurance FAQs

I have an Out of State (OOS) Policy in Effect on my vehicle, can I use that to clear my MLI record?

Every Alabama registered motor vehicle must be covered by an Alabama liability insurance policy. A registrant may contact their insurance company to convert the OOS policy to an Alabama policy. If they can convert to an Alabama policy, the registrant must contact their insurer to provide both the OOS policy in effect on the verification date and the current Alabama policy information to the DOR via the upload portal at www.besuretoinsureal.com. Both policies will need to be confirmed in order to prevent suspension of the vehicle registration.

An Alabama liability insurance policy must cover every Alabama-registered motor vehicle. A registrant may contact their insurance company to convert the OOS policy to an Alabama policy. If they can convert to an Alabama policy, the registrant must contact their insurer to provide both the OOS policy in effect on the verification date and the current Alabama policy information to the ALDOR upload portal. Both policies must be confirmed to prevent suspension of the vehicle registration.

Military exemption: If you or your spouse is an Alabama resident currently serving in the U.S. military and stationed outside of Alabama, you may be exempt from Alabama’s MLI requirement. You must provide a copy of your military orders and proof of liability insurance from your current state of residence for ALDOR to review. (Per Section 32-7A-5, Code of Ala. 1975) Visit MyDMV to respond online.

Related FAQs in Liability Insurance, Out of State Insurance

Contact the local licensing office or the Property Tax Division (334-242-1525) to answer this question.

An MLI verification notice is mailed to the address on the vehicle registration and/or emailed (if email address is available) to registrants asking for proof of insurance coverage for the vehicle on the verification date. If no response is received after 30 days from the MLI verification notice, the license plate has not been surrendered within 30 days or insurance cannot be verified by the DOR, a NOS is mailed to the registrant notifying them that their registration has been suspended.

Ask the insurer to visit the Be Sure to Insure Alabama website to provide to ALDOR confirmation of coverage on the vehicle for the requested verification date as shown on the verification notice. The insurer must provide the confirmation on the insurer’s letterhead and submit it from the insurer’s email address so we know the response is being provided directly from the insurer.

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).

Visit your local licensing official to pay the required reinstatement fee ($200 for first suspension; $400 for second and subsequent suspensions) and provide evidence of current Alabama liability insurance coverage.

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.