As part of the ongoing effort to reduce the number of uninsured motorists on Kentucky roadways, the Kentucky Transportation Cabinet, Division of Motor Vehicle Licensing, is contacting vehicle owners regarding their auto insurance information.
Monthly reports submitted by insurers indicate, on average, approximately 30,000 to 40,000 registered passenger vehicles that are potentially uninsured. In April 2008, as a pilot project in selected counties, the Division of Motor Vehicle Licensing began contacting registered owners of these vehicles by mail. This communication is now being implemented statewide.
If no record of insurance is matched to a registered vehicle’s Vehicle Identification Number (VIN), that vehicle is monitored by the Kentucky Insurance System for 30 days. In many cases, the absence of a match is due to policy renewal or changing insurance companies, and the transactions overlap reporting from the insurance companies. If an insurance record is received the following month, the monitoring on the specific VIN is stopped. But if no record of insurance is matched to the VIN for a second straight month, the registered owner will receive an Uninsured Notice.
In many cases, vehicles that actually are insured are erroneously identified as uninsured. There are multiple possible explanations:
· The VIN on the insurance policy, as reported by the insurance company, does not match the VIN listed in the Kentucky Insurance System;
· The type of insurance reported by the insurance company mistakenly indicates personal coverage rather than commercial coverage;
· The insurance company did not report the VIN as having current coverage.
Recipients of an Uninsured Notice are given 30 days to respond/comply with the requirement of providing current proof of insurance. Failure to do so will result in cancellation of the vehicle’s registration.
The Uninsured Notice provides the vehicle owner with the registration information in the Insurance System, as well as whom to contact to correct an error. The Department of Motor Vehicle Regulation Customer Service Center and members of the Motor Vehicle Licensing staff will be available for assistance.
Please click here for a sample of the Uninsured Notice.