Frequently Asked Questions
What is Insure-Rite?
Insure-Rite is an insurance verification company designed to identify uninsured motorists. Insure-Rite gives State regulatory agencies the capability of electronically verifying, upon demand, compliance with the State's automobile and motorboat insurance laws.
Who has access to the data in this program?
Law enforcement has automatic access during routine traffic stops. Typically, law enforcement officers submit an inquiry to the State's infrastructure for information regarding a certain vehicle, motorboat or driver's license.
When the inquiry is received, Insure-Rite automatically returns the insurance verification information to the officer.
In addition, some Utah State agencies such as the Department of Motor Vehicle (DMV), the Driver License Division (DLD) and the Tax Commission may have access to Insure-Rite's Online Financial Responsibility system.
In addition, some Utah State agencies such as the Department of Motor Vehicle (DMV), the Driver License Division (DLD) and the Tax Commission may have access to Insure-Rite's Online Financial Responsibility system.
Is the data secure?
Yes. Insure-Rite is subject to compliance 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 security regulations and standards.
As such, Insure-Rite ensures that all data is encrypted at all times and that access to the data is restrictred to authorized State personnel and to law enforcement.
What type of vehicle insurance do I need to provide as proof of coverage?
Utah Code Annotated 31a-22-304 establishes the minimum mandatory requirements for vehicle liability insurance.
In accordance to the law, you are required to provide active proof of LIABILITY insurance compliant with the minimum mandatory requirements established in the Utah Code.
Any other type of vehicle insurance that does not meet the minimum mandatory requirements for liability insurance is not valid.
What type of motorboat insurance do I need to provide as proof of coverage?
Utah Code Annotated 31a-22-1503 establishes the minimum mandatory requirements for motorboat liability insurance.
In accordance to the law, you are required to provide active proof of LIABILITY insurance compliant with the minimum mandatory requirements established in the Utah Code.
Any other type of motorboat insurance that does not meet the minimum mandatory requirements for liability insurance is not valid.
I have a comprehensive-only insurance policy. Can I provide this as proof of coverage?
No. Comprehensive-only insurance does not meet the minimum mandatory requirements for liability insurance as established in Utah Code Annotated 31a-22-304 and Utah Code Annotated 31a-22-1503 Therefore, comprehensive-only insurance is considered insufficient.
I do have vehicle/motorboat liability insurance. Why does my vehicle/motorboat show uninsured?
There are several factors that can affect the matching of a vehicle/motorboat registration with the corresponding insurance information. Name changes, address changes, and errors in vehicle information (VIN, Make, Model, Year, etc.) or motorboat information (HIN, Make, Model, Year, etc.), just to name a few. Contact your vehicle/motorboat insurance provider and make sure the information listed in your policy matches the information in your vehicle/motorboat registration.
Is there anything that I can proactively do to avoid getting a Notice of Vehicle/Motorboat Insurance Status in the future?
Yes. Keeping your vehicle/motorboat insurance and registration records active, accurate and current can dramatically reduce your odds of receiving a Notice of Vehicle/Motorboat Insurance Status in the future. Make sure that your name in both, your insurance policy and your 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 in both documents is your vehicle/motorboat information, make sure the Year, Make and Model are accuretely described and that your vehicle's VIN/motorboat's HIN' is spelled correctly.
I am trying to reply to the Notice of Vehicle/Motorboat Insurance Status, but none of the options described in the notice or on your website apply to my situation. What should I do?
Give us a call at 801.531.9664 Monday thru Friday from 8:00am to 5:00pm MT. Our Customer Service Team will be ready to assist you.
I sold this vehicle/motorboat. Why are you contacting me?
The Utah Department of Motor Vehicles (DMV) records show this vehicle/motorboat is currently registered to you. Once you inform us that you have sold the vehicle/motorboat, we will notify the Utah DMV and the registration will be cancelled.