Database Matches Vehicles to Auto Liability Insurance Policies
Posted in Auto Insurance
January 7th, 2010
TexasSure, is a new database that matches drivers to their auto liability insurance policies in Texas, has been popular with law enforcement since 2008. Because of its accuracy, it has been able to match up to 99 percent of those vehicles tracked to their insurance policy owners. However, the one percent that has not been matched can expect letters to reach their homes soon to alert them that no insurance match was found for them – and to help the company improve its system.
About TexasSure
TexasSure has been in use since 2008 by both law enforcement and all 254 Tax-Assessor Collectors in the state. The idea of the database is to allow police officers and other law-enforcement officials to identify Texas drivers who are operating their vehicles without liability auto insurance. Typically, this process is handled during a routine traffic stop by using the driver’s license and registration information – not by running license plates.
Issues with TexasSure
While the database has worked well overall, there have been a few flaws with the system, including some policyholders not being matched to their policies for at least 60 days. Some reasons for not being matched include:
- The insurance company not having accurate information.
- Vehicle registration is expired – or information is not current.
- Vehicle not registered in Texas.
- Vehicle was recently sold and the insurer wasn’t notified.
The company has already started to mail out 100,000 one-page letters in both English and Spanish to Texas drivers. This process started in Nov. 2009.
Despite this minor glitch, the database is viewed to be a huge success and plans to continue monitoring auto insurance on the spot in the future.
In the spring, TexasSure expects to begin a second phase letter campaign, sending notices to owners of registered vehicles that appear to be uninsured.
How do you feel about auto insurance being tracked beyond showing the insurance card during traffic stops?