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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?

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, 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.
Related FAQs in General - Liability Insurance, Liability Insurance
Variances between the Vehicle Identification Number (VIN), insurance policy number or National Association of Insurance Commissioners (NAIC) number provided to local licensing officials could be different and could result in the insurer being unable to verify insurance coverage for the vehicle. To determine a possible VIN discrepancy, the registrant should check the VIN listed on their insurance card and registration receipt to find any discrepancies. If the VIN on the registrant’s insurance card is incorrect, the registrant should contact their insurer to get the information corrected. If the registrant believes the VIN reflected on the registration receipt is incorrect, the registrant should check with their local licensing official.
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.
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.).
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).
The Department of Revenue selects registrations of motor vehicles for which insurance could not be confirmed (verified) using OIVS to determine if the owners are maintaining liability insurance in accordance with the MLI law by the following methods: The department reviews motor vehicle registrations using a real time verification process directly with the insurance companies on every vehicle registered in the state that is subject to the MLI law. The department receives notice that the Alabama driver’s license associated with the vehicle registration has been suspended or revoked by the Department of Public Safety. The department receives notice that there was a ticket issued for failure or refusal to comply with a request by a law enforcement officer for display of evidence of insurance coverage on the vehicle. ADOR will follow-up on any unconfirmed responses received from the insurer by sending a questionnaire to the registrant in an attempt to obtain updated policy information. (The department also has asked insurers to provide a monthly file of active policies to ensure registration records are updated for confirmation of coverage.) A sample questionnaire document is available from the Motor Vehicle Division website at https://www.revenue.alabama.gov/motor-vehicle/.
The online insurance verification system (OIVS) uses web services for real time verification of policy information with insurers. The OIVS is accessible to the department, licensing officials, and law enforcement. If OIVS does not return a “confirmed” response to the department, licensing officials, or law enforcement, the registrant will be required to present the evidence of insurance document. The Alabama Department of Revenue (ADOR) continues 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.