Electronic insurance reporting (EIV)

Public Acts 91 and 92 of 2011 require all auto insurers writing policies for Michigan residents provide automobile insurance information to the Secretary of State's Office. The insurance information will be shared with the Michigan Department of Health and Human Services to cross-reference claims information in accordance with federal requirements and to avoid duplicative reporting mandates.

Because all no-fault auto insurance providers are required to participate, the Secretary of State's Office will use the information to expand online and Self-Service Station registration renewals to nearly all private passenger vehicle owners. Insurance companies are encouraged to also report insurance information for motorcycles and commercial vehicles as this will enable these owners to renew online or at a Self-Service Station.

The Michigan Department of Community Health will use this data to increase Medicaid third party liability collections. Because Medicaid is the payer of last resort, an individual's no-fault insurance coverage must pay claims before the Medicaid program makes such payments.

No. However, insurance companies are encouraged to report insurance information for private passenger autos covered under a commercial policy so that owners can renew their registration online or at a Self-Service Station.
 

Yes. Public Act 91 requires only "private passenger nonfleet automobiles" be included in the data transmission. However, insurance companies are encouraged to include motorcycles and commercial vehicles. Including those vehicles will expand the percentage of their customers able to use the convenience of renewing their vehicle plate tabs online or at a Self-Service Station.
 

No.

Yes. However, if you choose to submit multiple NAIC files using one mailbox, all reports will be sent back to that mailbox. To receive separate reports for each NAIC code, files will need to be sent separately to that user ID (mailbox).

Each file has "optional," "statutory" and "required" detail fields. Those fields that are required by law or for technical necessity will be reviewed for compliance. The EIV Guidelines document spells out the requirements for each field.
 

No. Only one proof of insurance document needs to be provided to your customer for VINs submitted electronically. The insured will carry this copy with them or in their vehicle.

Returned reports will remain in a user's mailbox for 30 days.

If errors are found, it is expected they will be corrected before the next file is sent. Repeated, avoidable errors may result in a referral to the Office of Financial and Insurance Regulation for noncompliance.

The law requires that everyone listed on the insurance policy as a "named insured" be provided to the Secretary of State's Office. Each name should be entered in a separate detail field on the Vehicle Identification Number record. Other drivers listed on the policy who are not a "named insured" do not need to be reported.
 

No.

We expect most insurers will meet this deadline. If unanticipated technical complications arise, please contact the Secretary of State's Office as quickly as possible. We will work with you to resolve any problems that prevent a successful transmission.
 

The law requires that a file contain each policy holder's name, address, Vehicle Identification Number and policy number. The Secretary of State's Office will require some additional information to comply with its formatting standards. All files must have a valid header and trailer. Detailed specifications can be found in the Electronic Insurance Verification (EIV) guidelines. The Secretary of State's Office and Michigan Department of Health and Human Services cannot process data that does not follow these specifications, and purposeful disregard of the requirements may result in noncompliance referrals to the Office of Financial and Insurance Regulation.
 

These acts require all auto insurers in Michigan to electronically provide information on their policy holders to the Secretary of State's Office beginning Dec. 30, 2011.

The Secretary of State's Office and the Michigan Department of Health and Human Services will each return at least one report to the user's mailbox. The Secretary of State's Office will return a Vehicle Identification Number report listing the total number of VINs received and processed along with any invalid VINs contained in the file. MDCH will return a report that lists the total number of records received along with a count of errors for the required and statutory detail fields. Information specific to each error may not be available. For every file sent, one report from SOS and one report from MDCH will be returned.

Files are to be sent on the first and 15th of each month.

Information on transmission of files will be sent after your completed EIV User Worksheet has been returned and processed.

No. That responsibility will remain with the policy holder's insurance company.

Yes. Arrangements can be made with the Secretary of State's Office to send a test file. Requests should be submitted through the SOSEIV@michigan.gov mailbox.