In the past,
Under the old system, the Secretary of State (SOS) would mail postcards to a group of randomly selected registered vehicle owners asking for insurance policy information. This was a manual and paper-intensive process. The Secretary of State's office would then manually confirm coverage with the insurer. The SOS had the power to suspend the vehicle's registration and impose a fine on drivers who failed to return the card or did not provide policy information. Once the driver provided the necessary information, the suspension would be lifted.
The new electronic system will eliminate postcards and conduct the insurance check without the driver being required to act. It will also enable the SOS office to check more registrations in a more efficient and cost-effective manner. When there is not a match between the registered vehicle and insurance, the SOS office will notify the driver and outline the necessary steps to verify there is insurance on the vehicle. To help ensure drivers have proper insurance, the system will verify coverage twice a year.
In 2019, it was estimated that nearly 12 percent of