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.
The insurer should be asked to visit www.besuretoinsureal.com to provide the department confirmation of coverage on the vehicle for the requested verification date as shown on the verification notice. The confirmation should be provided on the insurer letterhead and submitted from the insurer’s email address indicating 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).
The registrant should visit their 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.
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/.