FAQ
What is Insure-Rite?
Insure-Rite is an automobile liability insurance verification company designed to identify uninsured motorists. Insure-Rite gives state regulatory agencies the capability of electronically verifying, upon demand, compliance with state automobile liability insurance laws.
What right do you have to request my information?
In 1994, the Utah State legislature passed HB 33 which states, in part, that upon notifying the registered owner of a vehicle’s uninsured status a response must be received prior to the due date shown on the letter.
Who has access to the data in this program?
Law Enforcement has automatic access during routine traffic stops. Typically, law enforcement officers make a request to the State's infrastructure for information regarding a certain vehicle or driver's license.
When the request is received, Insure-Rite automatically sends, via the State infrastructure, the insurance verification information simultaneously with any other requested details to the officer.
Also, some state agencies such as the Department of Motor Vehicle (DMV), the Driver License Division (DLD) and Tax Commission may have access to Insure-Rite's online Financial Responsibility application. This application allows such agencies to see historical insurance information on vehicles and individuals.
Also, some state agencies such as the Department of Motor Vehicle (DMV), the Driver License Division (DLD) and Tax Commission may have access to Insure-Rite's online Financial Responsibility application. This application allows such agencies to see historical insurance information on vehicles and individuals.
Is the data secure?
Yes. Insure-Rite is subject to be compliant with the Utah Criminal Justice Information System (UCJIS) Policy, the Driver's Privacy Protection Act (DPPA), as well as with other federal, state and industry information security regulations and standards.
Thus, Insure-Rite ensures that all insurance and State data is encrypted at all times and that access to the data is strictly limited to authorized State and Insure-Rite personnel.
What type of vehicle insurance do I need to provide as proof of coverage?
Utah Code Annotated 31a-22-304 establishes the minimum requirements and limits for vehicle liability insurance that all vehicle owners are subject to in the State of Utah.
In accordance to the law and for the purpose of this program, you are required to provide active proof of LIABILITY insurance compliant with the requirements and limits established in the before mentioned Utah Code.
Other types of vehicle insurance that do not meet these liability coverage minimums are not valid for the purpose of this program.
I have a comprehensive-only vehicle insurance policy. Should I provide this as proof of coverage?
Comprehensive-only vehicle insurance does not meet the minimum liability requirements and limits established in Utah Code Annotated 31a-22-304 and therefore, it is considered insufficient.
If you receive a Notice of Vehicle Insurance Status, make sure to provide active proof of liability coverage in compliance with the before mentioned Utah Code in order to avoid further consequences, including vehicle registration cancellation.
I do have vehicle liability insurance. Why does my vehicle show uninsured?
There are several factors that can affect the matching of a vehicle registration with insurance information. Name changes, address changes, and errors in vehicle information (VIN, Make, Model, Year, etc.), just to name a few. Rest assured that upon receipt of your corrected insurance information, the issue will be determined and resolved.
I have received a Notice of Vehicle Insurance Status in the mail. How do I know that this is not a scam?
The Notice of Vehicle Insurance Status is a legitimate notification approved by the State of Utah. We strongly recommend that you reply to this notice with immediacy in order to avoid vehicle registration revocation.
Ignoring the notice because you believe it is a scam will not stop this process. Therefore, there are a couple of things you can do to establish the legitimacy of the notice.
First, you can verify that the notice you received looks like the State-approved Notice of Vehicle Insurance Status. You can verify the format of the First Notice here and the format of the Final Notice here.
Also, you can visit this Utah Department of Motor Vehicles (DMV) web page that talks about Insure-Rite and insurance requirements for all vehicle owners in the State of Utah.
One last thing you can do is to call DMV directly and ask about the legitimacy of the notice you received.
First, you can verify that the notice you received looks like the State-approved Notice of Vehicle Insurance Status. You can verify the format of the First Notice here and the format of the Final Notice here.
Also, you can visit this Utah Department of Motor Vehicles (DMV) web page that talks about Insure-Rite and insurance requirements for all vehicle owners in the State of Utah.
One last thing you can do is to call DMV directly and ask about the legitimacy of the notice you received.
Is there anything that I can proactively do to avoid getting a Notice of Vehicle Insurance Status in the future?
Yes. Keeping your vehicle insurance and registration records active, accurate and current can dramatically reduce your odds of receiving a Notice of Vehicle Insurance Status in the future. Make sure that your name in both, your insurance policy and your vehicle registration, is spelled correctly.
Also, make sure that the address listed in both documents is updated and correct. Another important piece of information to verify is your vehicle information in both documents, make sure the Year, Make and Model of your vehicle are accuretely described and that your vehicle's VIN is spelled correctly.
I am trying to reply to the Notice of Vehicle Insurance Status, but none of the options described in the notice or in your website apply to my situation. What should I do?
Give us a call at 801.531.0731 Monday thru Friday from 8:00am to 5:00pm MT. Our Customer Service Team will be ready to assist you.
I sold this vehicle. Why are you contacting me?
The Department of Motor Vehicles (DMV) records show this vehicle is currently registered to you. Once you inform us that you have sold the vehicle, we will notify DMV and the vehicle registration will be cancelled.
My vehicle is not being used. Does it still need to be insured?
Vehicle liability insurance is not required if the vehicle is not being driven and is not parked on public property. To update your vehicle status, fill out and return the Notice of Vehicle Insurance Status and make sure you check the "NOT IN USE" box under "Section 1 - VEHICLE STATUS". You can also update your status by replying online through our website.
I only drive my vehicle during the summer/winter. What should I do?
Seasonal dates for the State of Utah are:
• Summer: May 1st and October 31st.
• Winter: November 1st and April 30th.
Updating your vehicle status as Seasonal Summer or Seasonal Winter requires you to provide valid proof of active liability insurance within the dates described above. Failure to do so will result in you receiving a Notice of Vehicle Insurance Status again.
To update your vehicle status, fill out and return the Notice of Vehicle Insurance Status and make sure you check the "SEASONAL VEHICLE (SUMMER USE)" or "SEASONAL VEHICLE (WINTER USE)" box under "Section 1 - VEHICLE STATUS". You can also update your status by replying online through our website.
• Summer: May 1st and October 31st.
• Winter: November 1st and April 30th.
Updating your vehicle status as Seasonal Summer or Seasonal Winter requires you to provide valid proof of active liability insurance within the dates described above. Failure to do so will result in you receiving a Notice of Vehicle Insurance Status again.
To update your vehicle status, fill out and return the Notice of Vehicle Insurance Status and make sure you check the "SEASONAL VEHICLE (SUMMER USE)" or "SEASONAL VEHICLE (WINTER USE)" box under "Section 1 - VEHICLE STATUS". You can also update your status by replying online through our website.