1. Uninsured Vehicles Project
Insurance Validation Program
AAMVA Region 1 Conference
Program Development and Evaluation Branch
Road User Safety Division
Ministry of Transportation
Province of Ontario
July 2011

2. Building Success Goal Key components Process & Criteria Customer Care
Stakeholder Reactions
Critical Success Factors
Key Benefits

3. Goal
Reduce uninsured vehicles on Ontario’s roads by providing electronic confirmation of insurance when drivers renew their licence plates.

4. Key Components
Driver Record Licensing Agreement – Information sharing agreement between the Province and Insurance Bureau of Canada
Provided funding for project
Data Integrity/Vehicle Identification Numbers (VINs) accuracy – VIN cleansing
Comprehensive Customer Care Model
Pre-implementation and implementation
Legislation/regulations – insurance reporting times
Joint Province/Industry Committee for post-implementation monitoring

5. Process and Criteria – Pre and Post Implementation
Pre Implementation
Vehicle owner signed a declaration for provision of true and accurate information as part of the Vehicle Licence Renewal process
Previously no method of electronic verification
Post Implementation
Implementation of Insurance Validation Program - now able to electronically query a vehicle’s current insurance coverage status
VINs used to check insurance on vehicle model years 1983 or later
Only VIN used to query IBC database to protect privacy
Do not receive, retain or provide any data (not an information database)
Passenger vehicles only – no ATVs, RVs, motorhomes, snow vehicles or trucks
Plate owner is an individual or joint owner

6. Plate Renewal & Insurance Verification

7. Customer Care Pre-implementation Comparison of VIN records with IBC
Improved from 60% to 99% VIN data match rate
Owners with unconfirmed insurance or VIN issues notified 120 days before licence plate expiry date
Implementation
Instituted these measures to address potential insurance or VIN Issues:
Allowing customers to self-declare (one time only) with a valid insurance liability card
Purchase Temporary Plate Validations
Post Implementation Monitoring Committee
Joint Provincial/Industry Committee formed to monitor the Insurance Validation system and address any government or insurance industry operational concerns
As part of the Ministry's insurance verification process, vehicle owners who have unconfirmed insurance or Vehicle Identification Number (VIN) issues will be notified in writing 120 days prior to their licence plate expiration date, allowing time to correct or update their information. These notices will direct customers with either a VIN or insurance information issue how to correct this information prior to their plate renewal in order to avoid problems when processing their plate renewal transaction.

8. Stakeholder Reactions
Public & Insurance Industry - positive
Effective March 31, 2011, provided Police an important enforcement tool that allows them to check insurance at roadside
Access by police does not replace other roadside activities, such as judgement, due diligence and decision making before delaying, questioning or laying charges with a motorist
Police Reaction:
“The first day I checked
about 20 vehicles and
within 1 hour, I identified
and charged two individuals
with no insurance”

9. Critical Success Factors
Data Integrity - VIN matching
Strong partnership with the Insurance Industry
Clear roles and accountabilities
Solid customer care model
Clear understanding of:
Insurance industry reporting times
Insurer-broker-customer relationship
System limitations
- reporting times average 5-7 days
Regulation requiring insurance providers to report insurance info in 14 days

10. Key Benefits Fewer uninsured vehicles on Ontario’s roads
Improved relations with insurance industry
Better verification & faster reporting
More safeguards for those involved in collisions

11. Statistics Since Launch

12. Insurance Self-Declaration Statistics
November ‘10
1,100
December ’10
12,600
January ‘11
February ‘11
9,200
March ‘11
13,800
April ‘11
16,900
May ‘11
20,500

13. Enforcement System Display
Vehicle insurance status

14. Enforcement System Display
Vehicle insurance status

15. Insurance Validation Program
Questions ?