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How do I submit proof of insurance to the BMV using the Electronic Insurance Forms Submission Program?
Visit myBMV.com; click “Insurance Agents” along the left side of the home page. In the middle of the page, select the “Take me to secure Electronic Insurance Forms Submission” link. A gold box will appear stating “Insurance Verification.” This is where you will request access to the EIFS Program and this is where you will enter your User ID and Password to gain entry into the program. You can bookmark the login page for quicker access.
After the agent submits his or her application, when will access to the EIFS service be granted?
The Bureau of Motor Vehicles (BMV) Credential Programs department will verify that the agent or company is licensed to write insurance in the state of Indiana. After validation, a user ID and password will be emailed separately to the agent within two business days.
What if the user ID and password are locked or not working?
Verify that you are entering the user ID and password assigned to you exactly as they were sent. If your user ID and password are still not working, send a request to firstname.lastname@example.org for assistance. We will respond to your request within one business day.
How long are the user ID and password active?
For licensed insurance agents, the user ID and password are active until the expiration date shown on your insurance agent license.
For the unlicensed users with letters of authorization, the user ID and password are active for two years from the date that the letter was received.
How do I show that my insurance license has been renewed?
Scan a copy of the license to the EIFS mailbox at email@example.com.
What form should I use to provide proof of financial responsibility for my customer?
Certificate of Compliance (COC) – This form is used to verify financial responsibility for a specific incident date in the past and for a specific vehicle. This form can be used to show proof of insurance for accidents, citations and the Previously Uninsured Motorist Registry (PUMR).
SR22 – This form confirms financial responsibility for a driver who is required to maintain proof of financial responsibility with the BMV for a three-year period. Do not use this form to show proof of insurance for a specific accident or traffic violation.
SR26 – This form is used by insurance companies to notify the BMV that a policy reported on an SR22 has been canceled.
SR50 – This form provides proof of current insurance to the BMV. This form is used for reinstatement purposes.
What is the Date of Certification?
The Date of Certification is the date you submit the form through the EIFS website.
How do I submit proof of insurance for a customer with an out-of-state driver’s license number (DLN)?
It is not necessary to file proof of insurance in Indiana for a customer with an out-of-state license if the customer has never been licensed in Indiana, unless requested by the BMV. However, if that driver was previously licensed in Indiana, the proof of insurance is required using the driver’s former Indiana driver’s license number.
What if the agent or customer does not know the customer’s driver’s license number?
If you do not know or your customer cannot provide the Indiana driver’s license number, the customer may obtain the number by purchasing an Indiana Official Driver Record (ODR). An ODR may be ordered by U.S. Mail using State Form 53789 - Request for Driving Records. The request must include name, address, date of birth, and Social Security number. Payment must be mailed with the form.
Does the form require a signature from the agent?
No. Your user ID prints on your form and serves as your signature.
How long does it take for the financial responsibility form to post to the customer’s record?
Forms filed prior to 6 p.m. (EST) are updated to the driver’s record the same day. If forms are filed after 6 p.m. (EST) the driver’s record is updated the following day. Electronic submissions are processed seven days a week, including holidays. If there is an error with the insurance submission(s), the BMV will notify the driver of the discrepancy. The error must be corrected by the agent in the EIFS system and resubmitted to confirm the driver did have coverage on the date of accident/incident and on the vehicle involved. If the information is not properly completed, the driver’s record will not be updated and your client’s driving privileges may be suspended.
Can persons who are not insurance agents submit financial responsibility forms if they are authorized by an insurance company?
Yes. On the Subscriber Request Form there is a statement reading, “If you are not a licensed agent, but require access to the EIFS program please click here to request authorization.” Select this link to submit an email to the EIFS mailbox and attach a signed authorization letter with the name, email address, and phone number of the user(s). The letter must include the NAIC# of the company and state that the company authorized the user to submit forms electronically to the BMV on the company’s behalf.
What if the police officer makes a mistake on the Accident Report?
The driver is responsible for contacting the police officer who wrote the accident report and having the officer correct the error. After June 10, 2012, the amended information received from a law enforcement agency will automatically update BMV records. The customer may obtain the officer’s contact information by purchasing the crash report at buycrash.com.
What if the insurance agent e-files a form in error?
The agent must contact the BMV at firstname.lastname@example.org to request that a form be removed from the customer’s driving record. The request must include the type of form submitted; date(s) the form was submitted and specify which form is to be removed. Send as much information as possible to ensure the removal of the correct form.
I entered the wrong date or wrong vehicle on the form. How do I correct this?
The error can be corrected by resubmitting a corrected form online.
My customer’s vehicle is not listed in the drop box on the EIFS website. What do I do?
If the vehicle involved is not an option in the drop-box, the Certificate of Compliance can be scanned to email@example.com for manual processing. Processing turnaround time for this submission method may take 1 to 3 business days. Please notify us that the vehicle is not listed in the drop-box.
What if the customer is still suspended after the agent e-files the insurance form through our website?
Either the information submitted by the insurance agent does not match the information in our records or the driver has other suspensions or reinstatement requirements preventing reinstatement of driving privileges. If the information submitted through the EIFS website does not match the information on the driving record, the driver will receive notice of the discrepancy in the mail. The driver must contact his/her insurance company to have a corrected form electronically submitted.
Drivers may view their driver records at no charge at myBMV.com. Any other suspensions or reinstatement requirements preventing reinstatement of driving privileges are listed at the top of the driver record. Additional assistance is available by contacting the BMV at 888-692-6841.
Insurance agents can go here to to obtain driver record information.
Please instruct your customers not to drive until they check their license status for free at myBMV.com.
My customer was driving another person’s vehicle at the time of the incident. How does the driver provide proof of insurance to the BMV?
Each case is different depending on the type of policy the customer has.
The BMV is required to verify that drivers involved in accidents or drivers who receive traffic citations in the state of Indiana are insured to be operating the vehicle involved. The involved driver should contact the vehicle owner’s insurance company for proof of insurance. The driver is typically covered by the owner’s insurance if the owner has permitted the driver to use the vehicle.
If the customer has an Operator’s policy that covers him/her in the vehicle at the time of the incident, then you may submit proof of insurance for the driver.
Ultimately, the BMV requires proof that the driver of the vehicle involved in the accident/citation was insured to operate the vehicle at the time of the accident/citation.
What is the difference between a Court No-Insurance ticket and the BMV No-Insurance ticket?
A Court No-Insurance ticket is a court conviction. The agent may provide the customer with proof of insurance to be taken into court. A BMV No-Insurance ticket requires proof of insurance to be submitted by the insurance agent online using our EIFS program.
I am an insurance agent. Can I file proof of insurance for myself?
To avoid any conflict of interest, please have your agent provide proof of insurance on your behalf.
Do agents need to provide proof of insurance on a parked vehicle?
No, the agent does not have to file proof of insurance on a parked vehicle.
How can I change my customer’s mailing address when I am filing the proof of insurance online?
You cannot change your customer’s mailing address. The customer can update his or her mailing address at any time at myBMV.com.
To change the address on the customer’s driver’s license, the customer will need to visit a branch with two acceptable proofs of residency. Examples of adequate proof of residency can be found on myBMV.com.
What is the Previously Uninsured Motorists Registry?
Indiana law (9-25-10) states that after December 31, 2009, any driver who is convicted of, or who is administratively suspended for operating a motor vehicle without financial responsibility is included in the registry. Drivers from the registry are selected at random and sent a request for proof of financial responsibility.
The selected drivers must submit proof that they had motor vehicle insurance in effect for the date requested on the notice by having their insurance providers electronically submit a Certificate of Compliance to the BMV. If the driver does not supply proof of insurance for the date requested, the individual’s driving privileges are suspended for a period of at least ninety (90) days. These suspensions carry the same penalties and follow the same reinstatement fee schedule ($150, $225, $300) as a BMV administrative No-Insurance Suspension. If this suspension is the second insurance suspension within a three (3) year period, a Repeat Insurance Violator suspension will be imposed for a period of one (1) year, to run concurrently with the ninety (90) day suspension.
Drivers remain on the Registry for five (5) years from the date of the last qualifying suspension or conviction. If all qualifying convictions or suspensions are ordered removed from the record, the driver will be removed from the Registry.