Insurance Update and Vehicle Reinstatement

Insurance Update and Vehicle Reinstatement

ServiceArizona is an easy way for Arizona residents to take care of Motor Vehicle Division (MVD) business any time of the day or night, from the comfort of their home or office. Currently, Arizona residents may use ServiceArizona for: online Vehicle Registration Renewals, Personalized/Specialty Plates, Fleet Registration Renewals, Address/Email Changes, ordering Replacement Driver Licenses or Identification Cards with or without an address change, obtaining a Restricted Use 3-Day Permit, viewing available Plate Credit, Driver License Reinstatement, Voter Registration, Duplicate Vehicle Registration, obtaining a 30-Day General Use Permit, Plate Refund, Vehicle Sold Notice, Vehicle Fee Recap, Citizens MVR - Title and Registration and Driver License, Insurance Verification, Tab Replacement, Off-Highway Vehicle Decal, Lien Motor Vehicle Inquiry, Emissions/Registration Fee Check, Permanent Disability Placard Replacement, Vehicle De-Insure Certificate, Schedule Travel ID Appointments, Insurance Update and Vehicle Reinstatement and for Fleet Application.

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Arizona law requires insurance companies to electronically report all insurance policy cancellations, non-renewals or new policies to the Motor Vehicle Division (MVD) within 7 days. The insurance companies provide MVD with customer information, certain vehicle information, and also insurance coverage details. The information provided from the insurance company is used not only to provide proof of coverage that complies with the states minimum requirements, but the information is also used to verify that the information is being applied to the correct customer record. That is why we ask that all policy information being sent to MVD includes a vehicle identifier so that we can properly match the insurance with the vehicle, and make updates accordingly. The criteria established, helps the process to run smoothly.

However, there are instances when the information provided by insurance companies does not match the MVD database, one of which is incorrect vehicle identification numbers (VIN). If your insurance agent or company fails to provide the correct VIN, then the proof of insurance supplied by your insurance company will not match up with our database. Subsequently, under state law, MVD must send a letter asking you, as the vehicle owner, to provide sufficient proof of insurance within 15 days or your vehicle registration will be suspended. For this reason, it is critical that you ensure your insurance company provides the correct VIN.

In addition to VIN errors, another major cause for mismatches on the MVD Insurance database occurs when customers try to use “out of state” policies to comply with Arizona’s mandatory insurance laws. It is important that your vehicle insurance coverage is an Arizona-based policy, issued by a company licensed to do business in this state. The vehicle must also be registered in Arizona.

ServiceArizona offers a few different insurance applications that have been designed to fit your needs. The application can be used for easy tasks like verifying if MVD has the latest insurance information on file for your vehicle, or even to reinstate your vehicle from an insurance suspension. ServiceArizona offers real time processing for insurance transactions and even allows for updates to the insurance policy details to be submitted by the registered owner of the vehicle.

Insurance Verification is a service that allows citizens to electronically verify that the Motor Vehicle Division has received your most recent active insurance policy number.

The Motor Vehicle Division obtains this information from:

  • Your insurance company through an electronic file (most preferred)
  • You when you submit a copy of your insurance card

The Insurance Update Application is a service that allows our customers to provide vehicle insurance policy information directly to MVD should they cancel a policy, or perhaps find a new insurance company with better rates and decide to switch. This application allows for quick and easy updates and peace of mind that we have your insurance details on file. Receiving a letter from us requesting policy information means that we don’t have any active policies on file, and could possibly result in vehicle suspension. The application itself in no way interferes with the state law requiring insurance companies to communicate changes to us with 7 days, that will still be occurring and gives MVD the opportunity to perform various measures of validation and compliance for information updated through this application.

Insurance Reinstatement is a service that allows citizens to electronically reinstate a vehicle that has been suspended for violating the mandatory insurance laws of Arizona. The reinstatement process will determine eligibility for reinstatement, and also makes real time updates to or customer database upon completion.

The Motor Vehicle Division must collect a fee for each vehicle reinstatement from a suspension in the amount of $50.00

  • The insurance application is equipped to allow for reinstatement fees to be paid online, and
  • Provide you with a receipt confirmation that indicates the vehicle has been reinstated.

Your insurance company should electronically send the Motor Vehicle Division your policy number and complete vehicle identification number for new policies, non-renewal of policies and cancellations.

To ensure that your insurance policy information is recorded accurately, you can use the ServiceArizona Insurance application to provide us with any insurance policy changes at any time! It is quick and we will ask for information that is printed on your insurance identification card!

If you have received an Insurance Verification Intent to suspend notification, you should verify your insurance information using the “Insurance update / Vehicle Reinstatement” application. If there is a problem, the application will refer you to your insurance company or Motor Vehicle Division based on the information on file.

The Insurance Verification service includes:

  • Entering Vehicle Identification Number (VIN), Vehicle Make, Vehicle Year, Arizona Insurance policy number or Binder and Customer/Company information
  • Confirming data entered
  • Viewing and printing the insurance verification results
  • Completing an optional survey

The Insurance reinstatement service includes:

  • Entering Vehicle Identification Number (VIN), Vehicle Make, Vehicle Year, Arizona Insurance policy number or Binder and Customer/Company information
  • Confirming data entered
  • Viewing and printing the insurance verification results
  • Completing an optional survey

Your Arizona insurance document may display the word “BINDER” instead of a policy number. Insurance companies use the word Binder until the insurance company is able to assign a policy number. The binder is good for 90 days from date of issue. When Binder appears on your document, you should enter the word “Binder” as your policy number on EZ Insurance Verification for the policy number.

  • Arizona Insurance document
  • Customer/AZ Driver License Number
  • A web browser that supports Secure Socket Layer (SSL) such as Netscape or Internet Explorer
  • An ink jet or laser printer
  • 8 ½ x 11-inch white paper

The registered owner of the vehicle or the registered owner’s insurance company may verify insurance information.

Insurance Verification is free.

Per Statue. The Motor Vehicle Division must collect a $50 reinstatement fee for each vehicle reinstating from an insurance suspension. Generally, this is the only fee associated with vehicle reinstatement however; there are certain instances where other fees that may apply if you’re driving privileges are suspended along with your vehicle.

The “No Record Found” message may display when one or more of the required information fields you entered was not found or does not match MVD’s records:

Vehicles in private names (individuals) or company names:

  • Vehicle Identification Number, Vehicle Make, Vehicle year
  • Customer/AZ Drivers License Number, Company/Company Customer Number
  • Name
  • Mailing Zip Code

This error message may display when the VIN number has been typed incorrectly into either the insurance companies database, the Motor Vehicle Division’s Title and Registration Database or both. To ensure insurance information is received and updated accurately, please verify the VIN number printed on your Insurance Card, and Arizona Vehicle Registration matches the VIN on the vehicle.

If the VIN printed on your insurance card is incorrect, please contact your insurance company for resolution. If the VIN printed on the insurance card matches what is physically on the vehicle, the VIN may have been recorded incorrectly and will require a level 1 inspection before any corrections can be made to our records.

One or more of the following reasons may apply:

  • Your insurance company must be licensed by the Department of Insurance to do business in the State of Arizona. Out of state insurance is not acceptable.
  • Your insurance company has failed to send your insurance information to the Motor Vehicle Division. They are required to send new policies, non-renewal of policies and policy cancellations.
  • The vehicle identification number, vehicle make, or vehicle year sent by your insurance company does not match MVD’s database.
  • The policy number displaying on your card/document may not match what your insurance company submitted. Try entering the policy number without the leading or trailing zeros.

Personal - Liability insurance coverage that meets the States insurance requirements for personal passenger vehicles

Commercial – Insurance coverage for vehicles that are used for business (policy must state that it is a commercial policy on the ID card)

SR22 – Certificate of insurance for driver license/vehicle suspension (SR22 is only used for reinstating suspension on judgment or citation issued for failure to have liability insurance at the time of citing. Also used for any DUI or admin actions on a person’s driving record.)

Collectible – This is for vehicles that are antique, classic or historic vehicles. (Must be collectible insurance provided by the insurance company and the policy must indicate in the verbiage that the vehicle is antique, classic or historic)

To change your address, you will need your name, date of birth, driver license or identification card number and last four of your social security number. Click here to change your address.

MVD has developed a computer system that links all of your records together. This means that when you change your address using your driver license number, it will automatically change the address on your vehicle registration and on each vehicle on which you are listed as the registration recipient.

Registration recipient is defined as the vehicle owner or registrant who is designated on the Motor Vehicle Division database to receive the registration for a vehicle.

A reprint of the Confirmation/Receipt for your online Insurance Update and Vehicle Reinstatement transaction can be obtained up to 14 days from the date of your online registration renewal transaction. Click here to reprint your confirmation/receipt.

The Federal Driver's Privacy Protection Act 18 U.S.C. 2721-2725, as well as Title 28, Chapter 2, Article 5 of the Arizona Revised Statutes, specifies that the personal information contained in your vehicle record may not be released to anyone without your consent, except when it is a matter of public health and safety, or when the individual or entity requesting such information is otherwise authorized to obtain it under federal law. However, during the duplicate registration process, you may consent to the release of your driver license and vehicle record information to any individual or entity that makes a proper request. This consent would apply to all owners of this vehicle.

You may pay with credit/debit/check cards. Check cards are linked to checking accounts and are accepted anywhere credit cards are accepted. Debit/Check card purchases are automatically deducted from the linked checking account.

In addition, some Kiosks are equipped with cash and check acceptors.

ServiceArizona is available 7 days a week, 24 hours a day with the exception of the following time periods:

Transactions cannot be performed during the scheduled maintenance periods:

  • Between 11:50 PM and 12:10 AM daily; and
  • Between midnight and 2:00 AM each Sunday.

If you have additional questions, please contact the Motor Vehicle Division at one of the numbers listed below.

Phoenix: (602) 255-0072
Tucson: (520) 629-9808
Elsewhere in Arizona dial:    (800) 251-5866
Hearing/Speech Impaired-TDD systems only: Phoenix (602) 712-3222
  Elsewhere (800)324-5425

Nearest Motor Vehicle Division Office and Authorized Third Party provider
Emissions Station Locations or phone 1-877-MYAZCAR

For information regarding plate and fee to owner, click here.