Insurance Verification

Caught without insurance? Or need to prove insurance?

Did you recently receive one of the following from DMV?

Those letters are requesting information about your vehicle liability insurance policy. They both have critical deadline dates that you must meet to avoid fees of up to $750 and having your driver’s license suspended. If you received one of these letters, the following information will be helpful.

Select the option below that applies to you.

I received an Insurance Verification Inquiry and the “comply by” date is today or in the future.

You still have time! Do one of the following before the comply by date ends!

  • Ensure you have liability insurance on this vehicle and provide the following information online:
    • Vehicle title number
    • 17-digit vehicle identification number (VIN)
    • Name of your insurance company
    • Policy number
  • If you have moved, are not using the vehicle right now, have cancelled your insurance, or have sold the vehicle and the decals on the license plates are not expired:
  • Doing one of these actions will prevent costly fees and the suspension of your driver’s license if you act fast!

I received an Insurance Verification Inquiry and the “comply by” date is in the past.

There may still be time to avoid fees and suspension of your driver’s license!

  • If you had insurance on the comply by date on the Insurance Verification Inquiry:
  • Provide DMV online:
    • Vehicle title number
    • 17-digit vehicle identification number (VIN)
    • Name of your insurance company
    • Policy number
  • If you did not have insurance on the comply by date on the Insurance Verification Inquiry:
    • You will receive an Order of Suspension from DMV in the coming days and have the following options to prevent costly fees and the suspension of your driver’s license if you act before the effective date provided in the order.
    • Pre-comply with the requirements in the order. Pay the noncompliance fee and have your insurance company electronically file form SR22 “Certificate of Insurance” with DMV for a period of three years. Your insurance company will know how to do this.
    • Once you receive the order, you will have more options. See below.

I received an Order of Suspension and the effective date is today or in the future.

You still have time to prove you had liability insurance on the DMV deadline date. Find your DMV deadline date in the first bullet of your Order of Suspension letter.

  • Proving you had insurance on the DMV deadline date may allow DMV to withdraw the order. 
    To prove insurance or inform DMV of other circumstances, gather one of the following to provide to DMV for review before the effective date of the suspension. You may fax the information to (804) 367-6693.
    • Request a Declaration Page from your insurance company dated within the last 30 days that shows your name, effective dates of the policy, vehicle information including vehicle identification number (VIN), and minimum liability limits or
    • If you sold the vehicle before or on the DMV deadline date, a bill of sale signed by the seller and the buyer that includes the date of the sale and the vehicle information or
    • If you moved before or on the DMV deadline date, your out of state registration card or title or
    • If you were deployed, your military orders showing your beginning and ending deployment dates or
    • If you were hospitalized, official documentation from the hospital showing your beginning and ending hospitalization dates or
    • If you were incarcerated, official documentation from a parole officer or the incarceration facility showing your beginning and ending incarceration dates.
  • You may also:
    • Request a telephone administrative hearing to show cause why your license should not be suspended. This temporarily withdraws the Order of Suspension, or
    • Comply with the requirements in the Order and pay the noncompliance fee and have your insurance company electronically file form SR22 “Certificate of Insurance” with DMV for a period of three years. Your insurance company will know how to do this.

I received an Order of Suspension and the effective date is in the past.

Unfortunately, your driver’s license is suspended. But you may still have options.

  • Find the DMV deadline date in the first bullet of your Order of Suspension.
  • If you did not have insurance on the DMV deadline date in the first bullet of your letter, you may have the following options to reinstate your driver’s license.
    • Request a telephone administrative hearing to show cause why your license should not be suspended. This temporarily withdraws the Order of Suspension, or
    • Comply with the requirements in the order and pay both the noncompliance fee, reinstatement fee, and have your insurance company electronically file form SR22 “Certificate of Insurance” with DMV for a period of three years. You may also have the option of entering into a payment plan once you pay the reinstatement fee and file form SR22.
  • If you did have insurance on the DMV deadline date in the first bullet of your letter, here’s how you prove insurance or inform DMV of other circumstances. Proving you had insurance on the DMV deadline date may allow DMV to withdraw the order. Gather the following to provide to DMV for review. You may fax the information to (804) 367-6693.
    • Request a Declaration Page from your insurance company dated within the last 30 days that shows your name, effective dates of the policy, vehicle information including vehicle identification number (VIN), and minimum liability limits or
    • If you sold the vehicle before the deadline date, a bill of sale signed by the seller and the buyer that includes the date of the sale and the vehicle information or
    • If you moved before the deadline date, your out of state registration card or title or
    • If you were deployed, your military orders showing your beginning and ending deployment dates or
    • If you were hospitalized, official documentation from the hospital showing your beginning and ending hospitalization dates or
    • If you were incarcerated, official documentation from a parole officer or the incarceration facility showing your beginning and ending incarceration dates.

Still have questions? Contact DMV.