Risk Management

Maine is now the fourth state to introduce the of option of a non-binary gender designation on driver’s licenses and identification cards. With the completion of a Gender Designation Form, the Bureau of Motor Vehicles (BMV) will now issue stickers for identification cards that will read “Gender has been changed to X- Non-binary.”

Illinois Governor Bruce Rauner is expected to sign legislation requiring vehicles registered out of state to be covered by liability insurance when driven in Illinois.

Michigan Governor Rick Snyder signed legislation authorizing the electronic delivery of certain notices and documents relating to insurance policies, including auto insurance ID cards.

When a crash occurs in Florida, the state sends an FR1/FR100 “Liability” Sanction Verification to the auto insurance carriers of the motorists involved in the incident. Florida advised carriers to confirm coverage for crash verifications if a motorist’s insurance policy meets the state’s minimum liability requirements, even if the VIN is registered in another state.

The Insurance Research Council (IRC) estimated Oklahoma’s uninsured driver rate to be 26 percent in 2012, the highest in any state. Though this most recent estimate is five years old, there is little evidence the rate has dropped significantly.

The Rhode Island Department of Motor Vehicles (DMV) issues three notices to motorists when proof of auto liability coverage is not found for a vehicle.