DEPARTMENT OF REVENUE
Division of Motor Vehicles – Title and Registration Section
1 CCR-204-10
RULE 7. MOTORIST INSURANCE IDENTIFICATION DATABASE (MIIDB)
Basis:  The statutory bases for this regulation are part 6, article 4 of title 10, 42-1-204 42-7-103, 42-7-604, C.R.S., and 1 CCR 204-10 Rule  46. Application for Registration – Proof of Insurance.

Purpose:  The following rules and regulations are promulgated to establish Motorist Insurance Identification Database (MIIDB) reporting requirements for insurance companies issuing vehicle insurance policies in Colorado.

1.0	 Definitions
1.1   “Division” means the Division of Motor Vehicles in the Department of Revenue.   
1.2   “File Transfer Protocol” (FTP) means a protocol for exchanging files over the internet.   
1.3   “Personal Motor Vehicle” means any vehicle for which non-commercial types of license plates are issued. 
2.0   Reporting Requirements
2.1   Each insurer shall report the following policy information to the designated agent:
a.  Name, date of birth, driver’s license number and address of each named insured owner or operator
	b.  The make, year, and vehicle identification number or each insured motor vehicle.
	c.	The policy number, effective date and expiration date of each policy.
	i.	For the purposes of this regulation, expiration date is defined as the final expiration date or the date on which insurance coverage is canceled or terminated by the insurance company. Reporting the expiration date to the designated agent is not required for intervening dates on policies on which coverage has been continued on receipt of payment. Upon the final expiration of a policy, the expiration date must be reported to the designated agent during the first normal weekly reporting period following the expiration date.   
d.  The National Association of Insurance Commissioners (NAIC) code, and the policy cancelation date if applicable. 
2.2	The required information shall be reported in a form or manner acceptable to the designated agent.
2.3	Policy Data Refreshes. Initially and every six months thereafter, each insurer shall provide bi-annual policy data refreshes to the MIIDB that contain all active Colorado policies.
2.4	Reporting of Issuance of New Policies and Changes to Existing Policies. Except as provided in 2.5 below, each insurer who has issued complying policies shall provide to the designate agent the policy information set forth in 2.1 above for each policy issued, canceled, or changed.  Such information shall be reported every week for the immediately preceding week, no later than the seventh working day after the last day of the week during which each policy was issued, canceled, or changed.
2.5	Error Reporting
a.	The designated agent will make error reports available to insurers via FTP.   
b.	Each insurer must retrieve the error reports and develop an error correction process for policy information that is rejected and returned.   
c.	Each insurer must correct rejected and returned policy information and resubmit corrected policy information via the agreed upon transmission mode before update reporting. Until it is corrected, a rejected record may be disclosed as uninsured to law enforcement upon request for insurance status.
d.	Each insurer is responsible for any costs incurred in complying with the MIIDB program.
3.0	Commercial Vehicles
3.1	Commercial vehicles are exempt from MIIDB reporting requirements. The designated agent is authorized to flag commercial vehicles exempt from tracking insurance information based on plate types that are distinct to commercial vehicles. These plate types are:
a.	Buses: the first three character of the plate type field are BUS.
b.	Dealers: the first three characters of the plate type field are DLR.   
c.	Farm Vehicles: the first three characters of the plate type field are FTK or FTR.   
d.	Special Mobile Equipment: the first three characters of the plate type field are SME or SMM.   
e.	Special Use Vehicle: the first three characters of the plate type field are SVW.   
f.	Trailers: the first three characters of the plate type field are TRL.   
g.	Truck Tractor: the first three characters of the plate type field are TTR.  
h.	Gross Vehicle Weight: the first three characters of the plate type field are GVW or TVW.  
i.	The following vehicle registration types will also be exempt if the last three characters of the plate type field are:   
i.	FLT (Fleet)   
ii.	CNY (County)   
iii.	CTY (City)   
iv.	RNT or RTL (Rental)   
v.	SOC (State of Colorado)   
vi.	CCL (TV/radio)   
vii.	GVT (Government)   
j.	A “C” in the Carrier Type field on any plate indicates the vehicle is used for commercial purposes and will be flagged as exempt from insurance tracking under the MIIDB. 
DEPARTMENT OF REVENUE
Division of Motor Vehicles
MOTORIST INSURANCE IDENTIFICATION DATABASE
1 CCR 204-21
Section 1.   Authority
This rule is promulgated under the authority of Section 42-7-604(8), C.R.S.   Eff  12/31/2006
Section 2.   Definitions
“Commercial Vehicle”  means for the purposes of this rule, any vehicle that is insured pursuant to a commercial line of business automobile liability insurance policy.   Eff  12/31/2006
“ Complying Policy ” means a policy of insurance which provides the coverage and is subject to the terms and conditions required in Part 6 of Article 4 of Title 10, C.R.S. and is certified by the insurer and the insurer has filed a certification with the commissioner that such policy, contract, or endorsement conforms to Colorado law and any rules or regulations promulgated   by the commissioner.   Eff  12/31/2006
“Department”  means the Department of Revenue   Eff  12/31/2006
“Designated Agent”  means the party with which the Department contracts under Section 42-7-604, C.R.S.   Eff  12/31/2006
“Division” means the Motor Vehicle Division in the Department of Revenue created in Section   24-1-117 (4)(a)(IX), C.R.S.   Eff  12/31/2006
“EDI” (Electronic Data Interchange) means inter-company, computer-to-computer transmission of business data in a standard format.   Eff  12/31/2006
“FTP” (File Transfer Protocol) is a protocol for exchanging files over the Internet.   Eff  12/31/2006
“ Proof of financial  responsibility for the future”  as defined in Title 42, Article 7, Section 103 (14) (9) C.R.S., means:   Eff  12/31/2006
(a)  Proof of financial responsibility for the future, also referred to in this article as proof of financial responsibility, means proof of the ability to respond in damages for liability, on account of accidents occurring after the effective date of said proof, arising out of the ownership, maintenance, or use of a motor vehicle, in the amount of twenty-five thousand dollars because of bodily injury to or death of one person in any one accident, and, subject to said limit for one person, in the amount of fifty thousand dollars because of bodily injury to or death of two or more persons in any one accident , and in the amount of fifteen thousand dollars because of injury to or destruction of property of others in any one accident.   Eff  12/31/2006
(b)  For the purposes of this title, the form known as the “SR-22”  furnished to the department may be used as proof of financial responsibility in compliance with this article.   Eff  12/31/2006
“Interstate Registered Vehicle”  means vehicles operating in interstate commerce traveling in Colorado and at least one other state.   Eff  12/31/2006
“Personal Motor Vehicle”  means vehicles for which passenger plates are issued including passenger cars, station wagons, hearses, ambulances (non-government owned) buses, and passenger vans.   Eff  12/31/2006
“Special Use Vehicle”  means a single use vehicle designed to carry a specific commodity, such as a trash compactor or a concrete mixer.   Eff  12/31/2006
Section 3.   Basis and Purpose
The purpose of this rule is to implement the reporting requirements by insurers issuing motor vehicle insurance policies in Colorado and to clarify acceptable proof of complying motor vehicle insurance coverage.   Eff  12/31/2006
Section 4.   Scope of the Motorist Insurance Identification Database
In 1997, the Motorist Insurance Identification Database (MIIDB) was signed into law. This law required the Department to enter into a contract with a Designated Agent for the purpose of monitoring compliance with the financial security requirements of Parts 3 and 4 of Article 7, Title 42, C.R.S.   Eff  12/31/2006
Insurance companies that issue automobile insurance policies in the state are required to report new policies issued and canceled policies before the seventh working day after the last date of the week reported on.   Eff  12/31/2006
Section 42-2-127.7, C.R.S. allows for suspension of a person’s driving privilege if the person is unable to provide evidence of a complying policy when contacted by law enforcement. In order to avoid a suspension, the driver may file proof of financial responsibility for the future for three years.   Eff  12/31/2006
Section 5.   Reporting Requirements of Cancellation Dates of Policies
Section 10-4-615(2)(c), C. R. S. requires that insurance companies report the policy number, effective date, and expiration date of each policy to the Designated Agent. For the purposes of this regulation, expiration date is defined as the final expiration date or the date on which insurance coverage is canceled or terminated by the insurance carrier. Reporting of the expiration date to the Designated Agent is not required for any intervening date in which coverage continues on receipt of payment. The final expiration date for coverage must be reported to the Designated Agent during the first normal weekly reporting period following the expiration date.   Eff  12/31/2006
Section 6.   Reporting Requirements for Commercial Lines of Insurance
The primary purpose of the database is to track personal motor vehicles rather than commercial vehicles. The development of the MIIDB requires the Division to transmit the entire registered vehicle file to the Designated Agent to match to insurance information provided by insurance companies issuing motor vehicle policies in Colorado. The Motor Vehicle Registration file contains primarily personal motor vehicle information. However, information on some commercial vehicles operated within the State of Colorado is also included. Commercial vehicles registered for interstate operations are maintained in a separate, distinct, database maintained by the Motor Carrier Services Division.   Eff  12/31/2006
The purpose of the following statement is to identify vehicles insured under commercial motor vehicle policies that are contained within the Motor Vehicle Registration file. Once identified the vehicle will be noted as insured by a commercial motor vehicle policy and exempt from further tracking unless the carrier subsequently notifies the Designated Agent that the vehicle is no longer insured by a commercial motor vehicle policy.   Eff  12/31/2006
The following procedures will apply:   Eff  12/31/2006
a.  All companies issuing motor vehicle insurance in the state must report to the Motorist Insurance Identification Database (MIIDB).   Eff  12/31/2006
b.  Companies issuing commercial insurance for motor vehicles provide proof of insurance cards indicating that the vehicles are commercially insured, the vehicle record will be marked as exempt.   Eff  12/31/2006
c.  All motor vehicle insurance policies must be reported including commercial motor vehicle policies.   Eff  12/31/2006
d.  Personal motor vehicle policies reporting must be vehicle specific policies that include all vehicles and insured drivers on policies.   Eff  12/31/2006
e.  Commercial motor vehicle policies should be reported as vehicle specific policies if vehicle information is available. Vehicle information includes the vehicle’s VIN (Vehicle Identification Number), make and year.   Eff  12/31/2006
f.  Insurers issuing commercial motor vehicle policies that are able to report on a vehicle specific basis will be allowed to report such information in order to assure that the vehicle record will be flagged as exempt on the MIIDB. The owners’ name and address is required but vehicle and driver information is not required.   Eff  12/31/2006
g.  To expedite the identification of exempt vehicles, the Division will identify any vehicle plate types that are distinct to a commercial vehicle class type. The Designated Agent is authorized to mark these vehicles as exempt from tracking insurance information under the MIIDB. These plate types are:   Eff  12/31/2006
i.  Buses: the first three characters of the plate type field are BUS.   Eff  12/31/2006
ii.  Dealers: the first three characters of the plate type field are DLR.   Eff  12/31/2006
iii.  Farm Vehicles: the first three characters of the plate type field are FTK or FTR.   Eff  12/31/2006
iv.  Special Mobile Equipment: the first three characters of the plate type field are SME.   Eff  12/31/2006
v.  Special Mobile Machinery: the first three characters of the plate type field are SMM.   Eff  12/31/2006
vi.  Special Use Vehicle: the first three characters of the plate type field are SVW.   Eff  12/31/2006
vii.  Trailers: the first three characters of the plate type field are TRL.   Eff  12/31/2006
viii.  Truck Tractor: the first three characters of the plate type field are TTR.   Eff  12/31/2006
ix.  Gross Vehicle Weight: the first three characters of the plate type field are GVW.   Eff  12/31/2006
h.  The following will also be exempt if the last three characters of the plate type field are:   Eff  12/31/2006
i.  FLT (Fleet),   Eff  12/31/2006
ii.  CNY (County)   Eff  12/31/2006
iii.  CTY (City)   Eff  12/31/2006
iv.  RNT RTL (rental)   Eff  12/31/2006
v.  SOC (State of Colorado)   Eff  12/31/2006
vi.  CCL (TV/radio)   Eff  12/31/2006
vii.  GVT (Government)   Eff  12/31/2006
i.  In addition, a “C”  in the Carrier Type field on any plate indicates the vehicle is used for commercial purposes and will be marked exempt. The Department will also identify any vehicle that is self-insured to the Designated Agent to mark as insured.   Eff  12/31/2006
The purpose of this Rule is to minimize the opportunity for owners of vehicles insured pursuant to a commercial policy from receiving a citation for no insurance.   Eff  12/31/2006
Section 7.   Acceptable Proof of Complying Coverage
Following is a list of acceptable methods to show that a driver had a complying policy in effect pursuant to Section 42-7-605, C.R.S.:   Eff  12/31/2006
a.   A letter from an insurance agent or insurer on company letterhead.   Eff  12/31/2006
b.   An insurance card, Declaration Sheet, binder or policy issued by an insurer.   Eff  12/31/2006
c.   A certificate of self-insurance issued pursuant to Section 10-4-624, C.R.S.   Eff  12/31/2006
If the above information is presented but the record does not exist in the MIIDB, the vehicle record will be temporarily marked as insured until verified with the listed insurance company.   Eff  12/31/2006
Once verified, the insurance company will be required to submit policy data to the Designated   Agent to be placed in the database via the usual reporting method.   Eff  12/31/2006
If the information, as required above, is not transmitted to the Designated Agent by the insurance company within 30 days from the date the request is sent, the record will again be marked as not insured.   Eff  12/31/2006
Section 8.   Technical Reporting Requirements
Following are the requirements for reporting information to the Designated Agent or Department:   Eff  12/31/2006
Data Elements for Electronic Insurance Reporting
(1)   The insurer shall transmit the information specified by Statute:   Eff  12/31/2006
(a)   A complete VIN shall be reported, except a partial VIN shall be accepted for a   vehicle with a model year prior to 1981; and   Eff  12/31/2006
(b)    Vehicle information, including the VIN, make and year shall not be required for   non-vehicle specific policies. However, if insurers have the VIN on file, they   should send that data.   Eff  12/31/2006
(2) Insurance Information Reported:   Eff  12/31/2006
(a)   Insurance company number using the NAIC (National Association of Insurance  C ommissioners) code;   Eff  12/31/2006
(b )   State where policy is issued;   Eff  12/31/2006
(c )   Insurance policy number;   Eff  12/31/2006
(d )   Policy type,   Eff  12/31/2006
(e )   Insurance policy effective date, if the transaction type is new;   Eff  12/31/2006
(f )   Insurance policy cancellation date, if the transaction type is canceled or deleted;   Eff  12/31/2006
(g )   Each vehicle’s VIN, if the policy is vehicle-specific;   Eff  12/31/2006
(h )   Each vehicle’s make, if the policy is vehicle-specific;   Eff  12/31/2006
(i )   Each vehicle’s year, if the policy is vehicle-specific;   Eff  12/31/2006
(j )   Colorado Motor Vehicle Division driver license number or PIN (Personal Identification   Number )  number OR FEDERAL TAX ID (FEIN )  of insured and driver;   Eff  12/31/2006
(k )   State where the insured’s or driver’s identification was issued;   Eff  12/31/2006
(l )   Each insured or driver’s name;   Eff  12/31/2006
(m )   Each insured or driver’s date of birth, if a person and not an organization;   Eff  12/31/2006
(n )   Each insured or driver’s address;   Eff  12/31/2006
(o )   Each insured or driver’s city;   Eff  12/31/2006
(p )   Each insured or driver’s state;   Eff  12/31/2006
(q )   Each insured or driver’s zip code.   Eff  12/31/2006
Reporting documents shall be sent to the Designated Agent or the Department.  The format must comply with the standards for ANSI ASC X12 Version 3, Release 5 (3050) transaction set 811 as currently identified as a standard transmission format for the insurance industry.   Eff  12/31/2006
Insurance Database Load
Media Choices for Initial Load and Periodic Updates
All data will be reported by the following means in a format determined by the Department or the designated agent.   Eff  12/31/2006
The reporting will be by the following means unless otherwise approved by the Department or the Designated Agent:   Eff  12/31/2006
The transport method for delivering files to the designated agent or the Department will be Pretty Good Privacy (“PGP” ) using at least a 1024-bit RSA public key and a 128-bit AES key.  The Internet protocol (“IP” ) address from which the files are exchanged must be provided to the designated agent prior to transmission.   Eff  12/31/2006
1.   Each insurance company submits to the Designated Agent only active Colorado motor   vehicle liability insurance policies.   Eff  12/31/2006
2.    The record content and media must comply with the requirements outlined.   Eff  12/31/2006
3.    Prior to the initial load, EDI testing must be completed (EDI via FTP users only).   Eff  12/31/2006
4.    If the entire load file rejects, the Designated Agent will make a report available via FTP that the insurance company can access. The insurance company will make the necessary corrections and resubmit the entire file.   Eff  12/31/2006
5.    The format for EDI must meet the ANSI ASC X12 transaction set 811 (3050) Version 3.0  Release 5.   Eff  12/31/2006
Periodic Updates
1.   Insurers shall report cancellations or deletions during the first normal weekly reporting period following the cancellation.   Eff  12/31/2006
2.   An insurer may choose to report more frequently than required by Section 10-4-615(1),   C.R.S., but at a minimum must report weekly.   Eff  12/31/2006
3.    Transactions are to be submitted when:   Eff  12/31/2006
-    a new liability insurance policy is issued or reinstated.   Eff  12/31/2006
-    an owner, driver, or vehicle is added to a policy   Eff  12/31/2006
-    an owner, driver or vehicle is removed from a policy   Eff  12/31/2006
-    the insurance policy is canceled or deleted.   Eff  12/31/2006
Error reporting
1.   The Designated Agent will make available error reports from the initial load and on going   reporting to the company via FTP.   Eff  12/31/2006
2.   The insurance company must retrieve the information returned and develop an error correction process for records that are rejected and returned as hard errors.   Eff  12/31/2006
3.   The insurer must correct rejected record errors and resubmit corrected records via the   agreed upon transmission mode before update reporting. Until it is corrected, a rejected   record may be visible to law enforcement as uninsured.   Eff  12/31/2006
Electronic Data Interchange
1.   The format for insurance records submitted electronically must meet the format as determined by the designated agent.   Eff  12/31/2006
2.    Programming must include the ability to receive an 811 error transaction and return a   997 functional acknowledgment to the 811 error transaction.   Eff  12/31/2006
3.    The following characters must be used as data delimiters in reporting in the 811 set   3050 format:   Eff  12/31/2006
-   Sub-element delimiter: hexadecimal 1F   Eff  12/31/2006
-   Data element delimiter: hexadecimal 1D   Eff  12/31/2006
-   Segment delimiter: hexadecimal 1C   Eff  12/31/2006
4.    Insurance companies will be responsible for payment of the costs associated with record delivery.   Eff  12/31/2006
Secti on 9.   Enforcement
Noncompliance with this rule may result in the imposition of sanctions pursuant to Section 10-4-615 (4), C.R.S. A fine of $250 per day shall be assessed the non-compliant insurance company for any of the following offenses:   Eff  12/31/2006
-   Failure to submit initial insurance data   Eff  12/31/2006
-   Failure to submit and maintain insurance data each week.   Eff  12/31/2006
-   Failure to submit the complete record as defined in Section 10-4-615 CRS.   Eff  12/31/2006
Any organization that is subject to fines pursuant to this rule will be referred to the Insurance   Commissioner for appropriate action under the authority of the Division of Insurance.   Eff  12/31/2006
Section 10.    Severability
If any section of this rule, or the applicability of any section to any person or circumstance is for any reason held invalid by a court, the remainder of the rule, or the applicability of such provision to other persons or circumstances, shall not be affected.   Eff  12/31/2006
Section 11.   Effective Date
This rule shall become effective January 1, 2007.   Eff  12/31/2006