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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

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.

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.

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.).

You should either respond online at MyDMV or visit your local licensing office to provide evidence of Alabama insurance for the verification date.

If insurance coverage cannot be verified, variances 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 the registration receipt is incorrect, you should check with your local licensing official.

The insurance provider may upload proof of insurance coverage to the ALDOR upload portal. Once reviewed by ALDOR, the MLI case will be closed as insurance verified.