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This section lists procedures under the older Insurance Verification Program (IVP). IVP was replaced by the Nevada LIVE (Liability Insurance Validation Electronically) system on March 15, 2010.
Under Nevada LIVE, the DMV asks for the insurance card at vehicle registration and attempts to verify coverage instantly. If it does not confirm immediately, the department will wait for up to 23 days for the insurance company to confirm it. Use the Registration Status Inquiry to check.
Other changes include:
- Customers now have 15 days instead of 20 to respond to a verification request.
- The registration suspension will go into effect 10 days, rather than 15 days, after the certified letter has been sent.
- There is no grace period. A lapse of even one day will result in a suspension and $250 reinstatement fee.
- Customers or agents must update the DMV at any change of company or policy number. This information is not sent to the department automatically.
My customer received an Insurance Verification (IV) Card. Now what?
- Look for the coverage dates being requested on the card.
- Verify if insurance was in effect during this period.
- If insurance was in effect, you may complete the card
online at www.dmvnv.com using your customer’s access code. The access code is printed on the IV card.
- It is imperative the IV card is completed on line or by mail in order for the Department to contact the corporate office to verify the coverage.
- If the information from the IV card is not received by the Department within 15 days, your customer will receive a certified notice of suspension for not responding.
- You can check the current status of the registration using the plate number and last 4 digits of the VIN.
Did you know: IV cards are not generated randomly? If an active registration does not have continuous insurance coverage on file with the Department, the IV Card requesting verification is automatically generated.
The next step is the Department’s.
- The Department receives the information from you and forwards a request to the insurance company’s corporate office requesting they resubmit the records electronically.
Did you know: The Department cannot accept faxed insurance records as verification?
Now it’s the corporate office’s turn.
- The corporate office has 30 days to submit the insurance record or to deny coverage.
- When the insurance record links to the Department vehicle registration record, the incident is resolved and the customer is sent a disregard notice. The disregard notice informs the customer that the Department has received verification of coverage and to disregard the previous request for insurance verification.
Did you know: The corporate office receives error reports when the insurance record being submitted does not link with the Department record?
If the Department does not receive a response from the corporate office or the insurance record did not link to the Department record:
- A certified notice of suspension is sent to the customer informing them their registration will be suspended in 10 days.
Did you know: If the insurance record submitted did not link to the Department record, an error report is sent to the corporate office?
If the corporate office denies coverage:
- The customer’s vehicle registration is immediately suspended upon receipt of the denial from the corporate office.
- A certified notice of suspension is immediately sent to the customer.
If your customer receives a certified notice of suspension:
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Only an authorized Nevada underwriter can give the Department verbal verification to Pend the suspension.
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Your corporate office can provide information if the insurance record has been submitted or if a verbal verification has been given.
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When a verbal verification has been accepted by the Department a Pend letter is generated informing your customer the suspension has been placed in a pending status. The Department allows at least 20 days for the corporate office to resubmit the insurance record.
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If the insurance record does not link by the date indicated in the Pend letter, the customer’s registration will be suspended.
- When the insurance record is linked to the Department record, a rescind notice is mailed to your customer.
Did you know: Rescind means “to remove or declare the decision null and void?” This means the suspension has been reversed and is no longer in effect.
When the action has been rescinded:
- If your customer has been cited by law enforcement, the DMV can send a letter to explain the action has been rescinded.
- If your customer has paid the $250.00 reinstatement fee, prior to the action being rescinded, a refund may be issued by contacting an Insurance Verification technician.
Did you know: To request the refund, continuous insurance coverage must be on file with the Department?
TIPS
Remind your customers to change their address with the Department when they move.
Review the registration when writing the policy.
The name and vehicle identification number must match on your policy and
registration. |
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