Electronic Insurance Forms Submission FAQs

By visiting the Secure Electronic Insurance Forms Submission. A gold box will appear named “Insurance Verification”. This is where you’ll log into your EIFS account with the User ID and Password provided by the BMV. If you do not have an EIFS account, you can request access by clicking the link above the User ID box called “Clicking here”.

The BMV will verify that the agent credentials are valid and the provided information matches. After validation, the requesting agent will receive two emails from eifs@bmv.in.gov. The first email will provide a user ID specific to the agent who requested access.  The second email will provide the agent’s password. This will typically occur within two business days, provided the agent’s credentials are valid.

Verify that you are entering the user ID and password assigned to you, exactly as how it is listed within the emails. Also verify that you are using the insurance agent login to the EIFS program and no the general login for all Indiana drivers. It is your responsibility to inform the BMV of ANY changes in your credentials or professional information that you provided when you secured access to the EIFS program. Your responsibilities are defined in your access authorization agreement and the terms and conditions page you are presented with every time you log into the EIFS program. The BMV performs periodic audits of agent’s credentials and professional information. If you did not update any of your professional information with the BMV, and you’ve changed roles or organizations, or other professional information you supplied to secure access has changed, your access may be denied. If your user ID and password are not working, send a request to eifs@bmv.in.gov for assistance. We will respond to your request within 48 business hours and inform you of what needs to be done to get your access reauthorized.

For licensed insurance agents, the user ID and password are active until the expiration date shown on your insurance agent license. If you have submitted an authorization request for an unlicensed representative and they were approved by the BMV, they will be authorized for two years from the time their user ID and password are activated.

The “Date Proof of Insurance Required” field is listed only in the COC, and it is the date that your customer received a citation or was involved in an accident. This date much exactly match the citation or accident data listed in the citation and/or accident report, or it may cause an error in processing.

The “Effective Certification Date” is the date that the insurance agent asserts SR22 insurance coverage began. It is only listed in the SR22, and it may, or may not, be different than the “Effective Policy Date.” If the ”Effective Policy Date” of the policy is more than three years in the past, use the most recent renewal date.

In order to submit proof of insurance through the EIFS program, you must provide your insured 10 digit Indiana DLN or their CUID number. The CUID number can be found at the bottom of notice the BMV sent requesting proof of insurance. If you need to submit proof of financial responsibility and your insured cannot provide their 10 digit Indiana DLN or the CUID number provided on the notice, you can contact the BMV at eifs@bmv.in.gov and request State Form 48469 –Certificate of Compliance. Please note that State Form 48469 is specifically for insurance agents and approved personnel. DO NOT provide your insured a copy of State for 48469 – Certificate of Compliance. Thank you in advance for helping the BMV limit fraudulent submissions.

If your customer cannot provide their Indiana driver’s license or CUID number, the customer may obtain either number by submitting a Request for Driver Records – State Form 53789. Or they may request disclosure of their Indiana DLN from any Indiana BMV branch. Once they have secured their DLN, they may also View their Viewable Driver Record (VDR) or purchase an Indiana Official Driver Record (ODR).

If the form is submitted electronically, your user ID prints on your form and serves as your signature. All manual forms must have a signature in order to be processed.

Electronic insurance form submissions that are processed automatically are applied to your customer’s record within 24 hours. Electronic insurance form submissions that contain errors, are processed manually, Monday through Friday, during normal business hours and are typically processed within 48 business hours.

Please Note: Reaching the successful submission page while using EIFS does not guarantee your submitted proof of insurance will fulfill the proof of insurance requirement on your customer’s record; it only indicates that your submission was received. If your driver’s insurance is not processed, they will receive a notice in the mail from the BMV explaining what information will be needed to process their insurance.

For instance, if there are errors, it may be due to a mismatch between the vehicle information indicated by the court or law enforcement officer and the information that you submitted. This can be easily corrected by confirming that the information in the accident report or on the citation matches your customer’s policy information. If any information requires amending on your part, just resubmit the form with the correct information. If you are certain that your customer’s information is correct, but it was still rejected by the BMV, request that your customer contact either the reporting officer or court to get an amended accident report  or  citation.

Your customer may get an amended accident report by contacting the officer that submitted the accident report and requesting that they submit an amended accident report. If the mismatch is between a citation and your customer’s policy coverage, your customer may contact the court that submitted the citation and request that they submit an amended SR16 to the BMV. Once the BMV receives this amended information has been applied to the record, whether it is for an accident or citation, you can resubmit your customer’s insurance forms using EIFS without error.

Indiana law (IC 9-25-5-9) requires you to file a SR26 form to cancel your customer’s SR22 ten (10) days prior to the cancellation date of a SR22 policy. This filing is always required, even if you filed a SR22 on the wrong customer or filed the wrong form for the right customer. Typographic errors occur regularly and require resubmissions. This will cause additional errors down the road for your customer, especially if your customer needs to file SR22 insurance again in the future. It may also prevent them from being reinstated and cause further delays and resubmissions. If you have any question as to whether or not your customer’s SR22 requirement has been closed by the BMV, please email us at eifs@bmv.in.gov.

The error can only be corrected by resubmitting a corrected insurance form online using the EIFS program.

If a Certificate of Compliance is submitted in error(if the driver did not actually have insurance or submitted for the incorrect driver) please email eifs@bmv.in.gov with the following information:

• Driver’s information ( Name and date of birth)
• Policy number
• Vehicle year and Make
• Effective and Expiration Date
• Date of Submission

If the vehicle involved is not an option in the drop-box, you can request the required hardcopy Certificate of Compliance (COC) at eifs@bmv.in.gov and submit it back to the BMV at that email address for manual processing. Processing of manual submissions has a higher turnaround time. Please allow 7 to 10 business days for processing.  Please notify us in your email request for a COC that the vehicle you need to submit on is not listed in the drop-down box. We will make every effort to get it added in the future.

Each case is different depending on the policy and coverage on the vehicle or insurance coverage the driver may have, such as an operator’s policy. The BMV is required to verify that drivers involved in accidents or those that receive traffic citations in the state of Indiana are insured for operating the vehicle involved. If the involved driver is operating another person’s vehicle, without an operator’s policy, that driver should contact the vehicle owner’s insurance company and request that they submit proof of insurance. Providing that the vehicle’s driver is not excluded from the vehicle owner’s policy, the BMV will typically accept proof of insurance from the vehicle owner’s insurance provider.

The State of Indiana requires all drivers that are involved in an accident and those that have received a request to provide proof of insurance to the BMV, to present proof of insurance to the BMV even if a court dismisses a citation that triggered the request for proof of insurance. This is a mandatory law. Your customer must provide proof of insurance, in the form of a COC. Non-compliance will result in an indefinite suspension (post-12/31/21). Your customer will remain suspended until such time as the BMV receives appropriate proof of insurance (COC) to satisfy the insurance requirement. Your customer will regain their driving privileges if you provide proof of future financial responsibility (SR22) and there are no other outstanding reinstatement requirements.

A Court No-Insurance ticket is a court conviction and suspension. The agent may provide the customer with proof of insurance to be taken into court, but the BMV is unable to remove the suspension without a court order.

A BMV No-Insurance ticket requires proof of insurance to be submitted by the insurance agent online using the EIFS program.

The courts and the BMV are different agencies regulated by different laws that require different action for your customer.

Yes. You are required to sign and fill in all required fields that request information, including the date of birth, driver’s license number, and vehicle information.

Showing a police officer proof of insurance does not relieve a citizen from providing proof of insurance to the BMV. The BMV is required to request proof of insurance from drivers. All drivers that are required to submit a Certificate of Compliance (COC) to the BMV must do so through their insurance provider. Non-compliance will result in an indefinite suspension.

To avoid any conflict of interest, please have your agent provide proof of insurance on your behalf.