Electronic Insurance Reporting
Welcome to the Secretary of State Web page for electronic insurance reporting. This site will update Michigan auto insurers on the most recent requirements for submitting policy data to the Secretary of State's Office through its Electronic Insurance Verification (EIV) program.
Beginning Dec. 30, 2011, all auto insurers writing policies for Michigan residents will be required to submit each policy holder's name, address, vehicle identification number, and policy number using the Secretary of State's EIV program, as described in Public Acts 91 and 92 of 2011.
These laws are designed to increase Medicaid third-party liability collections. Because Medicaid is the payer of last resort, an individual's primary insurance coverage must pay claims before the Medicaid program makes such payments. EIV will help the Michigan Department of Community Health identify proper coverage for Medicaid beneficiaries.
Since 1997, the Secretary of State's Office has provided auto insurers with the opportunity to participate in the EIV program. Response to the program has been well received by both insurance companies and their customers. Nearly 80 percent of Michigan motorists have had their insurance electronically verified with the Secretary of State. This allows them to forego the requirement to submit proof of insurance when renewing their vehicle registration and take advantage of our online and Self-Service Station renewal systems.
Under the mandatory reporting EIV requirement, these renewal options are made available to all motorists with valid no-fault coverage. Even more customers may now experience the time-savings and ease offered by online or Self-Service Station renewals. Therefore, as an auto insurer, it will be to your advantage to include in your data not only the private, passenger, nonfleet automobiles as required by law, but motorcycles and commercial vehicles as well.
Auto insurers are directed to report specific automobile insurance information in a time frame and manner as specified by the Secretary of State. Because this is a new reporting requirement for those of you not already in EIV, we understand there may be some technical problems meeting the first submission deadline of Dec. 30, 2011. We will work with you to resolve any issues you may have. Any insurer refusing to correct technical problems or comply with the law will be referred to the Office of Financial and Insurance Regulation in the Michigan Department of Licensing and Regulatory Affairs.
Insurers will be required to electronically submit their insurance information to the Secretary of State on the first and the 15th of each month.
An insurer must first submit an EIV User Worksheet to the Secretary of State. Once the worksheet is processed, additional information about setting up a mailbox and password, formatting and transmitting files will be sent to the insurer.
Contact the SOS
Please send any questions to SOSEIV@michigan.gov. Additional resources are available in the documents and links below.
Related Documents & Topics
EIV User Worksheet
EIV User Guidelines
Michigan Department of Licensing and Regulatory Affairs: Office of Financial and Insurance Regulation
Michigan Department of Community Health; Third-Party Liability
Public Act 91 of 2011
Public Act 91 of 2011; Legislative History
Public Act 92 of 2011
Public Act 92 of 2011; Legislative History