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.