How does it work?                                   
InsureNet is hosted and empowered by NLETS, the nation’s law enforcement communications system. Nothing is more secure and safe. It is linked to every law enforcement officer in every state and also linked to all Provinces of Canada, the FBI, INTERPOL, and other law enforcement agencies and organizations around the world.

Much of the data received and maintained by insurers is inaccurate; in fact the only data that they can be absolutely certain of is the policy number because they issued it. Much of the data received and maintained by governments is also inaccurate, (in fact, it is estimated that thirty percent of all VINs (Vehicle Identification Numbers) received by government are incorrect) and, similar to the situation with insurers and policy numbers, the only field they can be certain of is the registration number because that government issued it. InsureNet is simply the "perfect bridge" between insurers and governments. Using our proprietary, (patent pending), "clean bridge" technology, all concerns regarding inaccurate VINs and the need for many fields of invasive, personal data (to try and match policies to those vehicles) disappears.

During the initiation of an "Add" (the addition of a new vehicle to an existing policy or a new vehicle insurance policy), policy information is entered by the agent, broker, customer service representative, or by an automated internet-based system. This application is either accepted or rejected by the insurer's system or representative. If rejected, InsureNet remains unaware of the application. If accepted, the vehicle's VIN and policy number combination is automatically assigned a unique all-digit code that may be also linked to other identifiers, such as state and insurer. This assignment might also be done by the insurer or an authorized insurer or agent association using blocks of UCs obtained via secure portals. All data is kept in "blind code" so that even if every security measure in this most secure of all facilities failed, the data would be seen by a hacker only as "gibberish" and impossible to manipulate or modify in any way, but again…..since 1961, no one has ever “broken in” to NLETS.

The InsureNet unique code ("UC") assigned, is used to ensure that vehicle registrations and any other status checks result in totally accurate status. Status is always current to the minute. Status can be provided to any DMV staff member, any law enforcement officer checking a vehicle's registration, or to the courts which can be provided with both on-line access or by calling an "800" telephone number and entering the UC verbally or by "touch tone."  Courts get current insurance status, status the date of citation and, to eliminate back-dated policies, status the date prior to citation.  They can also access periods of coverage.

What does 'non-invasive' really mean?
InsureNet does not require and does not receive personal information of any kind. This unique approach has gained the support of privacy advocates.  This demonstrates that it is possible to use systems capable of properly enforcing compliance with the law while not invading the privacy of individuals or insurers in any manner. This system can provide certain reports, (for example, when three or more insurers have insured the same vehicle, which almost certainly identifies a "repair scam"). In that case, the system automatically sends out notices to the governments and insurers involved, but again, this and other reports never require or can provide personal details.

Who pays for it?
The InsureNet system makes and/or saves money for every participant. Policyholders, governments, (especially law enforcement, registration/DMV, courts and if in place, toll ways), benefit greatly.  Insurance agents and insurers are all substantial beneficiaries. No law enforcement entity ever pays any fee as this is intended to assist their efforts in protecting the Public. Likewise, the Public also pays nothing.  For any entity that might pay, the cost will always be only a small fraction of demonstrable savings and new revenues. There is no net cost to anyone or any entity. Optional, non-invasive reports of great value to the insurance industry are available, but again, these are optional. There may be other sources of revenue, but no insurer pays to lodge data. With market forces at work, the new funds that are created for the government, insurers and agents, will eventually reduce the financial burden placed on policyholders to insure vehicles; everyone benefits from InsureNet.

What if I am traveling in another State?
If you are stopped in another State, your insurance status can be instantly and accurately verified by the law enforcement officer involved. NLETS is owned by all US States, Puerto Rico and the District of Columbia. It currently handles out-of-State queries.  That means law enforcement anywhere will know the insurance status of the vehicle you are driving prior to leaving their car.  They will see that status on-screen along with vehicle registration information.  This is a national system and it can be paperless, no longer requiring that you maintain insurance ID documents.  

Do All Insurers Embrace this System?
Agents, brokers, Non-Standard insurers, claims adjusters, CEOs, CFOs and many others n the insurance industry are great advocates for the State-based National Verification Solution. We are in the process of working with carriers to explain our stringent privacy controls, restricted access to data, seven data fields captured, and the totally non-invasive nature of our product. Insurers understand that premium writings will increase while their claim costs associated with uninsured drivers will decrease. Insurers further understand that solving the uninsured driver problem reduces fraud, staged accidents and fraudulent medical and workers compensation claims. Non-standard auto carriers indicate that the average six month policy lapses in less than 45 days due to non payment.

InsureNet strongly supports State-based reporting, but like law enforcement everywhere, also acknowledges there can be no unequal protection and enforcement under the law. Vehicles from other States must also be insured and each State must act to determine status: InsureNet is the only way to do that. The only way to properly support State-based versus Federal Reporting is to ensure accurate data from all jurisdictions and thus protect the people and property of your State. InsureNet is the only logical solution for this Nation?s serious and costly problems involving uninsured vehicles.

How does it force people to buy insurance?
Vehicle insurance is now required in every state. Sometimes called “Financial Responsibility”, it is still “insurance.” With InsureNet, requirements will be fully enforceable for the first time. Whenever a law enforcement officer verifies the status of vehicle registration, insurance status is supplied automatically. Registration, (both counter and "e" registration), can also be easily and automatically linked, ensuring that no registration is possible without current, valid insurance.  In fact, this is the only possible method ever devised to ensure accurate "e" and regular mail registration. Likewise, safety and/or emission control stations, toll booths, linked traffic cameras and other sites can automatically check for insurance status without the requirement for names, addresses, or any other personal details. It is after all, not a person that is insured, but a vehicle. This is a complete, accurate, secure…..yet totally non-invasive system. There is no delay and no excuses with InsureNet. Registration without valid insurance becomes impossible and the role of law enforcement becomes far more efficient and safer.

Can this be just a "Law Enforcement" System?
Yes, in fact any Government entity can implement the system and do so almost immediately. They do so with little or no cost or trauma and yet will enjoy immediate, massive benefits. A State Police organization, for example, can via NLETS, ensure that all Law Enforcement personnel with access to their system can know, with absolute certainty, the exact insurance status of every vehicle whose registration is checked.

Can this be just an "Insurer" System?
Yes, any insurer can provide ID cards with both the UC which is unique to each policy and VIN along with an "800" number and email address that allows any policyholder, or anyone given an ID card by a policyholder, to verify status at any time. The system is available in English, Spanish and French. It can be used by policyholders to check that they have remembered to pay for their policy, to report an accident, theft or other emergency, and to provide to law enforcement, the courts or to another driver the proof that they are in compliance with the law. This then, is a system fully supportive of both insurers and law enforcement. These features are not required but optional. 

What happens if criminals copy the cards?
No ID card is actually required by the system. Uninsured status is instantly known if checked by law enforcement or the courts anywhere in the nation…with or without a card. The system will automatically return a "no record" response. It will soon be understood as most unwise to try and use any form of fraudulent card; there is simply no way to circumvent the InsureNet.

How does the system know if the card is fraudulent?
If there is an actual card and someone attempts to use it in the registration or verification process, the system immediately identifies it as such. Only documents which either identify "active" or previous and now "inactive" coverage, are maintained in the system. All other queries will return a "no record" response. If either an "active" or "inactive" response should be not be delivered, a special warning is also provided to law enforcement, the courts, or other authorized user.

Why is this called the "National Insurance Status System"?
Because it is. This is not limited to a single company or group of companies, it is operational "24/7/365", not just at certain times, not limited to a single state but available to all jurisdictions, is based on a total "dump" technology which frees insurers from having to sort by jurisdiction (they simply send all daily activity to it) it is available for use to every law enforcement officer in the United States without cost, and also to every person in the United States free of charge via telephone or the internet. It is the first and only "National Insurance Status System" in every possible regard.  It is also accurate, non-invasive and complete and is certain to dramatically benefit our Nation.

If someone had insurance but did not renew, how does the system know?
Less than twenty of the over 5,000 Property and Casualty Insurers in the U.S. account for over 86% of all policies written. In order to accommodate certain States, those insurers, (and hundreds of others), are now providing daily electronic updates to over a dozen States nationally. InsureNet takes data in any format and enables currently non-reporting insurers to also easily handle needs and enjoy dramatic benefits without cost.  Either through the use of real-time secure portals provided to every agent and insurer or with binders covering transactions, at least once each day, the insurer's system automatically and without effort, will provide a list of "deletes" (suspensions, terminations, and/or cancellations). Because insurers' systems only handles "ADDS and DELETES" daily (they take effect only once each day), the moment the insurance company’s own internal system is notified, a transmission is sent to InsureNet with notification that status is changed and/or the change is "logged", preparing to change. Often policies are cancelled at midnight, and InsureNet would have been notified earlier of the pending "delete" (certainly well before 12:01am), but at whatever time designated by the insurer and in choices documented previously, the policy is simply "turned off".

How can InsureNet stop an dishonest agent from 'backdating' a policy?  
Very easily; a back-dated policy will be identified as such.  Every agent is provided a secure internet portal.  This enables them to conduct business and know that any new policy or addition to a policy is recorded real-time.  For agents who do not use the real-time features, insurers who wish to, can either use the UC, as their activation code, as their binder number or link the UC to their binder number, InsureNet makes it impossible to back- date an insurance policy and not be discovered. In any of these cases, all policies are activated online and registered simultaneously or will be identified by law enforcement or by the courts. This also stops more serious forms of premium diversion which is when a dishonest Agent receives money for a policy and supplies documents that will never be processed or processed only by back dating in the event of a claim. These types of fraudulent activity have a very detrimental effect on the Industry as a whole and on the policyholders who inevitably pay for this type of fraud in increased rates.  Nationally, this alone will save tens of billions of dollars in losses each year now passed on to policyholders.