Insurance Monitoring Methods
The Department of Motor Vehicles (DMV) uses the following methods to monitor insurance of Virginia registered vehicles.
- Electronic Motor Vehicle Liability Insurance Reporting:
This is the cornerstone of all monitoring methods. The motor vehicle Code of Virginia § 46.2-706.1 requires insurance companies authorized or licensed to do business in Virginia to furnish liability insurance information to DMV electronically. This information is required when insurance policies are canceled, new policies are written and when there are additions to existing polices for motor vehicles registered in Virginia.
- Suspected Uninsured Accident:
This process allows a driver, vehicle owner or a representative to voluntarily report a crash, particularly if they have reason to believe that the other vehicle involved in the crash is uninsured.
- Law Enforcement Notification:
This process is initiated when police officers require owners to provide insurance information to DMV. Drivers are issued a form (FR422A) requesting insurance information at roadside checks. DMV issues an order of suspension to vehicle owners who are found uninsured. In addition to the State Police, a total of 108 local law enforcement agencies participate with DMV in the Law Enforcement Notification process.
- Police Accident Reports (form FR300P):
This process utilizes police crash reports to identify potentially uninsured individuals. The crash reports are reviewed to determine if a need exists to request insurance information. If it is determined that a need exists, insurance information is requested from the owner. If the owner fails to respond to the request or if the owner does not have insurance, an order of suspension is issued to the owner.