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FAQ 카테고리 / 세금 : 책임 보험

MLI 확인 통지서는 차량 등록의 주소로 우편으로 발송되거나 등록 자에게 이메일로 발송되며(이메일 주소가 있는 경우) 확인일에 차량에 대한 보험 적용 범위 증명을 요청합니다. MLI 확인 통지서로부터 30 일 후에 응답을받지 못하거나 30 일 이내에 번호판이 항복되지 않았거나 DOR에 의해 보험을 확인할 수없는 경우 등록자에게 NOS가 우편으로 발송되어 등록이 일시 중지되었음을 알립니다.

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.

앨라배마에 등록된 모든 자동차는 앨라배마 책임 보험의 적용을 받아야 합니다. 등록자는 보험 회사에 연락하여 OOS 정책을 알라바마 정책으로 전환할 수 있습니다. 앨라배마 정책으로 전환할 수 있는 경우 등록자는 www.besuretoinsureal.com 에 업로드 포털을 통해 확인 날짜에 유효한 OOS 정책과 현재 앨라배마 정책 정보를 모두 DOR에 제공하기 위해 보험사에 문의해야 합니다. 차량 등록의 정지를 방지하기 위해 두 정책 모두 확인되어야합니다.
예. 코드 섹션 32-7A-11은 차량 소유자가 새 등록을 구매하도록 요구합니다. 추가 수수료 및 발급 수수료를 포함한 모든 해당 등록 수수료가 적용됩니다. 등록자는 등록 연도의 나머지 기간 동안 표준 또는 God Bless America 번호판을 구입할 수있는 옵션이 있으므로 추가 $ 50 등록비가 부과되지 않습니다. 번호판에 개인화된 메시지가 있는 경우, 갱신 시 등록자의 개인화된 메시지를 다시 사용할 수 있습니다. 추가 요금은 비례 배분할 수 없습니다(40-12-258).
예. 코드 섹션 32-7A-11은 차량 소유자가 새 등록을 구매하도록 요구합니다. 추가 수수료 및 발급 수수료를 포함한 모든 해당 등록 수수료가 적용됩니다. 등록자는 등록 연도의 나머지 기간 동안 표준 또는 God Bless America 번호판을 구입할 수있는 옵션이 있으므로 추가 $ 50 등록비가 부과되지 않습니다. 번호판에 개인화된 메시지가 있는 경우, 갱신 시 등록자의 개인화된 메시지를 다시 사용할 수 있습니다. 추가 요금은 비례 배분할 수 없습니다(40-12-258).

Visit your local licensing official to surrender the license plate within 30 calendar days of the MLI verification notice. Failure to do so will result in suspension of your vehicle registration.

등록자는 면허 공무원에게 차량 등록 시 업데이트를 포함한 보험 정보(정책 번호, NAIC #, 정책 유형)를 제공해야 합니다. 이 정보는 DOR에서 온라인 보험 확인 시스템(OIVS)을 사용하여 차량 보험을 확인하는 데 사용됩니다.

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) to determine if owners are maintaining liability insurance in accordance with the mandatory liability insurance (MLI) law by the following methods:

  • ALDOR 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.
  • ALDOR receives notice that the Alabama driver’s license associated with the vehicle registration has been suspended or revoked by the Department of Public Safety.
  • ALDOR 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.
  • ALDOR 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 (ALDOR also has asked insurers to provide a monthly file of active policies to ensure registration records are updated for confirmation of coverage).

No. If the vehicle was in exempt (stored, inoperable, or other unused) status, the registrant should visit their local licensing official to claim the stored, inoperable, or otherwise unused exemption from the reinstatement fee. A registrant may claim the stored, inoperable, or otherwise unused exemption from the reinstatement fee once during the registration period by applying to the local licensing official to revoke the vehicle’s registration for the remainder of the registration period and be exempted from the reinstatement fee. See Admin. Rule 810-5-8-.06 for further details.

 

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.

복직 수수료는 차량이 보험 확인일에 보험에 가입되지 않았거나 차량이 면제 (판매, 보관, 작동 불능 등)를받을 자격이 없었던 경우에만 지불해야합니다.

No. You should either go to the Be Sure to Insure Alabama website , visit your local licensing office or contact the MVD.

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.

Visit your local licensing official to claim the stored, inoperable, or otherwise unused exemption from the reinstatement fee. A registrant may claim the stored, inoperable, or otherwise unused exemption from the reinstatement fee, once during the registration period by applying to the local licensing official to revoke the vehicle's registration for the remainder of the registration period and be exempted from the reinstatement fee. See Admin. Rule 810-5-8-.06 for further details.

ALDOR will use the information to attempt to verify your insurance coverage with the insurer.

  • If the insurance is verified (i.e. confirmed) successfully, the MLI record will be closed.
  • If the insurance is not verified (i.e. unconfirmed), you should contact your insurer and request that the insurer provide evidence of insurance coverage (statement on insurer’s letterhead) for the vehicle on the insurance verification date.

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.

If the vehicle was in exempt (stored, inoperable, or other unused) status, then visit your local licensing official to claim the stored, inoperable, or otherwise unused exemption from the reinstatement fee. A registrant may claim the stored, inoperable, or otherwise unused exemption from the reinstatement fee once during the registration period by applying to the local licensing official to revoke the vehicle’s registration for the remainder of the registration period and be exempted from the reinstatement fee. See Admin. Rule 810-5-8-.06 for further details.

The registrant will need to visit their local licensing official to provide documentation (bill of sale, etc.) to complete the revocation process.

The vehicle registration reinstatement fee provided for in the MLI law is a separate fee from the ticket fines related to tickets issued by law enforcement and assessed by the Administrative Office of Courts (AOC) or the local court system.

In accordance with Section 32-7A-12, Code of Alabama 1975, the department will suspend the vehicle registration of any motor vehicle determined to be in violation of Section 32-7A-4, Code of Alabama 1975.

  • In the case of a first violation, the department shall terminate the suspension upon payment of a reinstatement fee of $200 and the submission of proof of current insurance coverage on the vehicle.
  • In the case of the second or subsequent violation, the department shall terminate the suspension upon payment of a reinstatement fee of $400 and submission of proof of current insurance coverage on the vehicle.

The MLI law administered by ALDOR deals with vehicle registration.

The MLI law administered by ALEA deals with the driver license. Please contact the law enforcement agency reflected on your citation for more information if needed.