Electronic Insurance Forms Submission FAQs
Insurance Agent Enrollment in EIFS
WHEN DO I SUBMIT PROOF OF INSURANCE FOR MY CUSTOMER?
You may submit proof of insurance through EIFS once your customer has received a notice from the Indiana BMV requesting proof of insurance. You may submit proof of insurance before the BMV requests it from your driver. You must ensure all information provided by your customer is accurate. Submitting erroneous information may result in errors, including suspension of your customer’s driving privileges, and require the insurance provider to resubmit an electronic insurance form for your customer at a later time. To avoid these types of problems, we recommend you ask your customer if they have received a notice from the BMV requesting proof of insurance before submitting such proof. The notice to the driver indicates the accident/offense date and vehicle information (year, make), if provided, for which proof of insurance is required. This applies in the event of a citation or accident.
HOW DO I SUBMIT PROOF OF INSURANCE TO THE BMV USING THE EIFS 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 THE APPLICATION, WHEN WILL ACCESS TO THE EIFS PROGRAM BE GRANTED?
The BMV will verify the agent credentials are valid. After validation, the requesting agent will receive two emails from email@example.com. One email will provide a user ID and indicate the agent who has been granted access. A second email will provide a password. This will typically occur within two business days, provided the agent’s credentials are valid.
WHAT IF MY USER ID AND PASSWORD ARE LOCKED OR NOT WORKING?
Verify you are entering the user ID and password assigned to you, exactly as sent to you. It is your responsibility to inform the BMV of any changes in your credentials or professional information you provided when you secured access to the EIFS program. Your responsibilities are defined in your access authorization agreement along with the terms and conditions presented every time you log into the EIFS program.
The BMV performs periodic audits of agent credentials and professional information. If you did not update any of your professional information with the BMV when required, your access may be denied. If your user ID and password are not working, send a request to firstname.lastname@example.org for assistance. We will respond to your request within 48 business hours and inform you of what needs to be done to get your access reauthorized.
HOW LONG ARE MY 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. If you have submitted an authorization request for an unlicensed representative and they were approved by the BMV, they will be authorized for two years from the time their user ID and password are activated.
HOW DO I SHOW THAT MY INSURANCE LICENSE HAS BEEN RENEWED?
Verify that the Department of Insurance in the state where you write insurance has received and updated your licensing information.
WHAT FORM DO I SUBMIT TO PROVIDE PROOF OF FINANCIAL RESPONSIBILITY FOR MY CUSTOMER?
Certificate of Compliance (COC) – verifies financial responsibility for a specific accident or citation dated in the past and for a specific vehicle (year and make). The COC form must be electronically submitted to the BMV by the driver’s or vehicle owner’s insurance provider.
This form should not be submitted with an effective date in the future. Most critically, the “Date Proof of Insurance Required” must match exactly the date of the citation/accident report. If you have any doubt of this date, request more information from your customer, as it may cause an error in processing, a possible suspension of your customer’s driving privileges, and/or you to resubmit the COC at a later date.
SR22 –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 –used by insurance companies to notify the BMV that an SR22 policy has been canceled. You can avoid any errors by ensuring the insurance company name and policy number you submit matches exactly the policy number for the SR22 you wish to cancel.
WHAT IS THE “DATE PROOF OF INSURANCE REQUIRED”?
The “Date Proof of Insurance Required” field is listed only in the COC, and it is the date your customer received a citation or was involved in an accident. This date must exactly match the citation or accident data listed in the citation and/or accident report, or it will cause an error in processing.
WHAT IS THE “EFFECTIVE CERTIFICATION DATE”?
The “Effective Certification Date” is the date the insurance agent asserts SR22 insurance coverage began. It is only listed in the SR22, and it may or may not be different than the “Effective Policy Date.”
HOW DO I SUBMIT PROOF OF INSURANCE FOR A CUSTOMER WITH AN OUT-OF-STATE DRIVER’S LICENSE NUMBER (DLN)?
EIFS may only be used to report proof of insurance for a driver with an Indiana driver’s license number. If you need to submit proof of insurance for a driver who doesn’t have an Indiana driver’s license number, you need to contact the BMV at email@example.com so you can submit the credentials and receive the proper form (COC) to submit to the BMV.
WHAT IF THE AGENT OR CUSTOMER DOES NOT KNOW THE CUSTOMER’S DRIVER’S LICENSE NUMBER?
EIFS may only be used to report proof of insurance for a driver with an Indiana driver’s license number.
DO EIFS FORMS 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 INSURANCE FORMS TO POST TO MY CUSTOMER’S RECORD WHEN USING THE EIFS PROGRAM?
EIFS submissions processed automatically are applied to your customer’s record within 24 hours. Submissions sent through email or containing any errors are processed manually, Monday through Friday during normal business hours, and are completed within 48 business hours.
Reaching the successful submission page while using EIFS does not guarantee your submitted proof of insurance will fulfill the requirement on your customer’s record. Successful submission only indicates it was received. If your driver’s insurance is not processed correctly, they will receive a notice in the mail from the BMV explaining what information will be needed to process their insurance.
If any information requires amending on your part, just resubmit the form with the correct information. If you are certain your customer’s information is correct, but it was still rejected by the BMV, request your customer either get an accident report corrected or a citation corrected.
Your customer may request an amended accident report by contacting the officer and request he or she submit an amended report. If the mismatch is between a citation and your customer’s policy coverage, your customer may contact the court that submitted the citation and request they submit an amended SR16 to the BMV. Once the BMV receives this amended information, whether it is for a citation or accident, you can resubmit your customer’s insurance forms using EIFS without error.
CAN MY AGENCY APPOINT AN INTERNAL EMPLOYEE WHO IS NOT LICENSED AS AN INSURANCE AGENT, BUT HAS CONSIDERABLE INSURANCE POLICY COVERAGE KNOWLEDGE, TO SUBMIT PROOF OF INSURANCE FORMS TO THE BMV?
To submit your authorized representative for credential validation, you may click on the Subscriber Request Form. Submit an email to the EIFS mailbox with the attached, signed authorization letter including the candidate’s name, professional email address, and business phone number. The letter must include the agency’s NAIC number and state the agency has authorized the representative to submit forms electronically to the BMV.
WHAT IF THE POLICE OFFICER MAKES A MISTAKE ON THE ACCIDENT REPORT?
When the customer believes the officer made an error on the accident report, such as indicating incorrect vehicle information, the customer is responsible for contacting the police officer to request a correction. Once the officer has submitted the amended accident report to the BMV, the BMV will process the amended accident report within 24 hours and make an update to your customer’s driver record.
REMOVING SR22 AND SUBMITTING SR26 FORMS.
Indiana law (IC 9-25-5-9) requires you to file an SR26 form to cancel your customer’s SR22 up to 10 days prior to the cancellation date of a SR22 policy. This filing is always required, even if you filed an SR22 on the wrong customer or filed the wrong form for the right customer. Typographic errors occur regularly and require resubmissions or further delays. If you have any questions as to whether or not your customer’s SR22 requirement has been closed by the BMV, email us at firstname.lastname@example.org.
I ENTERED THE WRONG DATE OR WRONG VEHICLE ON THE FORM. HOW DO I CORRECT THIS?
The error can only be corrected by resubmitting a corrected insurance form online using the EIFS program.
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, you can request the required hardcopy Certificate of Compliance (COC) at email@example.com and submit it back to the BMV for manual processing. Processing of manual submissions has a higher turnaround time ranging from two to four business days. Notify us in your email request for a COC that the vehicle you need to submit on is not listed in the drop-down box.
WHAT IF THE CUSTOMER IS STILL SUSPENDED AFTER THE AGENT FILES AN INSURANCE FORM USING EIFS?
The most common error is when the citation/accident report date, vehicle year, and vehicle make information submitted by the insurance agent does not match the information provided to the BMV by law enforcement or the courts. There may also be other suspensions or reinstatement requirements preventing reinstatement of driving privileges. Request that your customer review the driver record and address any outstanding problems. Suspensions and reinstatement requirements are listed at the top of their driver record. Additional assistance is available by contacting the BMV at 888-692-6841.
Insurance agents can go to http://www.in.gov/ai/appfiles/bmv-license-search/ to obtain driver record information.
Customers should not drive until they check their license status.
WHAT DO I DO WHEN MY CUSTOMER HAS AN OPERATOR’S POLICY AND WAS NOT DRIVING A VEHICLE THEY OWN?
An Operator’s policy has specific limitations that vary from agency to agency. It is your responsibility to validate your customer was in full compliance with your policy coverage limitations prior to submitting a COC for a citation or accident.
If your customer has an Operator’s Policy and you need to submit proof of insurance to the BMV using the EIFS program, you have two options.
- First, you need to select the vehicle make (from the drop-down box in the COC submission page) and also list the vehicle year that is indicated in your customer’s citation and/or accident report, but it must match exactly.
- Secondly, you may select (from the drop-down box in the COC submission page), “Non-Owner,” and enter the year of the vehicle he or she was operating. This second procedure will prompt a manual review of your customer’s driving record and will take longer to process, but it will not result in a compulsory rejection of your customer’s information.
If you have attempted both of these procedures and are still getting your customer’s insurance forms rejected, contact the BMV at firstname.lastname@example.org for assistance.
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 policy, coverage on the vehicle, or insurance coverage the driver may have, such as an Operator’s Policy.
The BMV is required to verify the drivers involved in accidents or those who received traffic citations in the State of Indiana are insured for operating the vehicle involved. If the involved driver is operating another person’s vehicle without an Operator’s Policy, that driver should contact the vehicle owner’s insurance company and request they submit proof of insurance. Providing the vehicle’s driver is not excluded from the vehicle owner’s policy, the BMV will typically accept proof of insurance from the vehicle owner’s insurance provider.
DOES THE STATE OF INDIANA HAVE A MANDATORY PROOF OF INSURANCE REQUIREMENT?
The State of Indiana requires all drivers that are involved in an accident and those who have received a request to provide proof of insurance to the BMV, to present proof of insurance to the BMV. Your customer must provide proof of insurance, in the form of a COC. Non-compliance will result in a 90-day suspension, or one-year suspension for a repeat violation within a three year period, and your customer will remain suspended until such time as the BMV receives appropriate proof of insurance and pays any reinstatement fees.
WHAT IS THE DIFFERENCE BETWEEN A COURT NO-INSURANCE TICKET AND THE BMV NO-INSURANCE TICKET?
A conviction for operating without insurance comes from a criminal court. The agent may provide the customer with proof of insurance to be taken into court, but the BMV is unable to remove the suspension without a court order.
A BMV request for financial responsibility requires proof of insurance to be submitted by the insurance agent online using the EIFS program.
DOES THE HARDCOPY FORM SUBMITTED OUTSIDE OF EIFS REQUIRE A SIGNATURE FROM THE AGENT?
Yes. You are required to sign and fill in all required fields that request information, including the date of birth, driver’s license number, and vehicle information.
WHAT IF MY CUSTOMER PROVIDED A PAPER FORM PROOF OF INSURANCE OR ELECTRONIC PROOF OF INSURANCE TO THE OFFICER?
Although this may satisfy the police officer’s investigation regarding proof of insurance as a matter of an official police inquiry, this does not relieve a citizen from providing proof of insurance to the court or BMV. The BMV is required to request proof of insurance from drivers. All drivers who are required to submit proof of insurance to the BMV must do so through their insurance provider. Non-compliance will result in a 90-day suspension, or one-year suspension for a repeat violation within a three year period.
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 any time at myBMV.com.
To change the address on the customer’s driver’s license, the customer will need to visit a BMV branch with two acceptable proofs of residency.