Florida Senate - 2018 SB 78 By Senator Campbell 38-00079-18 201878__ 1 A bill to be entitled 2 An act relating to a motor vehicle insurance online 3 verification system; creating s. 324.252, F.S.; 4 requiring the Department of Highway Safety and Motor 5 Vehicles to establish an online verification system 6 for motor vehicle insurance; specifying requirements 7 for the system; requiring the department to conduct a 8 pilot program to test the system; authorizing the 9 department to contract with a private vendor for a 10 specified purpose; requiring the system to be 11 installed and operational by a specified date; 12 authorizing law enforcement officers to access 13 information from the system for specified purposes; 14 specifying requirements for insurers; requiring the 15 department to adopt rules; amending s. 320.02, F.S.; 16 providing requirements relating to the registration of 17 motor vehicles upon implementation of the system; 18 amending s. 324.0221, F.S.; requiring the department 19 to implement by rule a method of insurance 20 verification using the system under certain 21 circumstances; requiring the system to provide certain 22 procedures; providing an effective date. 23 24 Be It Enacted by the Legislature of the State of Florida: 25 26 Section 1. Section 324.252, Florida Statutes, is created to 27 read: 28 324.252 Motor vehicle insurance online verification 29 system.— 30 (1) The department shall establish an online verification 31 system for motor vehicle insurance, subject to the following: 32 (a) The verification system must be accessible through the 33 Internet by authorized personnel of the department, the courts, 34 law enforcement personnel, any other entities authorized by the 35 department, and insurers authorized by the Office of Insurance 36 Regulation to offer motor vehicle insurance. 37 (b) The verification system must provide for direct access 38 to insurers’ records by personnel authorized by the department. 39 (c) The department must conduct a pilot program to test the 40 verification system before statewide use. However, the 41 verification system must be installed and operational by July 1, 42 2020. 43 (d) The verification system must be available 24 hours a 44 day to verify the insurance status of any vehicle registered in 45 this state through the vehicle identification number, policy 46 number, registered owner’s name, or other identifying 47 characteristic or marker as prescribed by the department. 48 (e) The department may contract with a private vendor to 49 assist in establishing and maintaining the verification system. 50 (f) The verification system must include appropriate 51 provisions, consistent with industry standards, to secure its 52 data against unauthorized access and to maintain a record of all 53 information requests. 54 (g) Information contained in the verification system which 55 is otherwise exempt from public disclosure remains confidential 56 or exempt from s. 119.07(1) and remains exempt from public 57 disclosure. 58 (h) A law enforcement officer may, during a traffic stop or 59 accident investigation, access information from the verification 60 system to establish compliance with this chapter and to verify 61 the current validity of the policy described on any insurance 62 identification card produced by the operator of a motor vehicle 63 during the traffic stop or accident investigation. 64 (2) Insurers shall cooperate with the department in 65 establishing and maintaining the verification system and shall 66 provide access to motor vehicle insurance policy status 67 information. 68 (3) The department shall adopt rules to administer this 69 section. 70 Section 2. Paragraph (f) is added to subsection (5) of 71 section 320.02, Florida Statutes, to read: 72 320.02 Registration required; application for registration; 73 forms.— 74 (5) 75 (f) Upon implementation of the online verification system 76 in s. 324.252, the online verification replaces the procedures 77 in this subsection, and each registering agency shall use the 78 system unless the system is not online or the required 79 information is not available. In such a case, the registering 80 agency may accept verification as provided in this subsection to 81 certify the existence of the required insurance before 82 processing any application for motor vehicle registration. 83 Section 3. Subsection (4) is added to section 324.0221, 84 Florida Statutes, to read: 85 324.0221 Reports by insurers to the department; suspension 86 of driver license and vehicle registrations; reinstatement.— 87 (4) The department shall implement by rule a method of 88 insurance verification using the system in s. 324.252, which 89 must be a method of determining verification after the insurance 90 verification provided at the time of registration of the 91 vehicle, after reinstatement for a suspension for a violation of 92 this chapter, or if the department believes an owner or operator 93 of a motor vehicle is not in compliance with this chapter. The 94 system must provide procedures for direct inquiry and response 95 between the department and insurers. 96 Section 4. This act shall take effect July 1, 2018.