Enforcement of the mandatory insurance law is accomplished through an Electronic Insurance Verification process and the issuance of traffic citations.

If the initial verification attempt does not verify that a vehicle is covered by a statutorily required minimum liability insurance policy, that vehicle will be checked a 2nd time after 30 days. This process allows our office to determine whether the vehicle was sold, placed into storage or otherwise not being driven on the roadways.

If the 2nd verification attempt does not confirm a liability insurance policy for the vehicle, the registered owner of the vehicle will be sent a registration suspension letter. The vehicle owner and insurance company will be required to prove that the vehicle was covered by a liability insurance policy on the date of the initial verification attempt within 30 days of the date of the letter through their insurance agent.

If the registered owner and insurance agent cannot provide proof that the vehicle was covered by a liability insurance policy on the date of the initial verification attempt, the vehicle’s registration will be suspended.

In order to have the registration suspension removed, the vehicle owner is required to obtain liability insurance and pay a fee of $100 to reinstate the vehicle’s registration.

If you are stopped for a traffic violation or involved in an accident, a law enforcement officer may issue a traffic citation if you are unable to provide evidence of insurance.