RMV ATLAS Project Insurance Policy Management (IPM) Webinar #5 – Preparing for Testing June 11, 2019
Agenda • Policy Updates/Clarifications • Notice To Carrier • Working Batch Error Reports • Interface Timeline • Testing Preparation • Key IPM Processing Details 2 June 11th, 2019
Policy Updates/Clarifications Trailers Trailers • Reporting of private passenger trailers will be allowed, but optional • Reporting of commercial trailers is required (regardless of weight) – subject to revocation • Commercial trailer = Any trailer used by a commercially registered vehicle (regardless of weight) Trailer Inspections/VIN • Commercial trailers will require a VIN to support commercial trailer inspections • For trailers without a VIN, the RMV will assign a pseudo VIN • Pseudo VINs will be assigned at time of new registration or registration renewal • Assigned VINs must be affixed to the commercial trailer once assigned Trailer Insurance Stamps • All trailers will continue to require insurance verification via a stamped application for a new registration or registration amendments • Stamp not required at renewal unless the insurance has changed • For cases where a trailer has been cancelled from an insurance policy in the prior year, an insurance stamp is required 3 June 11th, 2019
Policy Updates/Clarifications Policy Term Limits & Amending Policy Extension Policy Term Limit Update • Policy term limits previously reported (6 months – 3 years) have been updated. • New policy term limits • Minimum policy term length – 1 Day (was 6 months) • Maximum policy term length – 2 Years (was 3 years) Amending Policy Expiration • ATLAS will support the ability to amend a policy’s expiration date as long as the amended term limit fits within the maximum allowable term limit (2 years) 4 June 11th, 2019
Policy Updates/Clarifications Elimination of Premium Town Code Premium Town Code • Premium Town Code will not be part of any new ATLAS processing, and is no longer part of any interface between the RMV and Commonwealth Automobile Reinsurers (CAR). • ATLAS will remove the field Premium Town Code from all interfaces. • This will also eliminate the “Update Premium Town Code” transaction 5 June 11th, 2019
Policy Updates/Clarifications New Registration and Title Application New Registration and Title Application • Combines the current RMV1 and RMV3 Forms • Latest version available (update - 6/21/2019) • New Registration and Title Application will be accepted at launch • Due to Electronic Vehicle Registration (EVR) transition, old RMV1 and RMV3 forms will be accepted for a limited time post launch. • Timing for accepting old forms still under discussion SHOW LATEST DRAFT OF NEW REGISTRATION AND TITLE APPLICATION 6 June 11th, 2019
Policy Updates/Clarifications Registration Revocation Registration Revocation • A Registration without an associated policy record will initiate revocation: • New Registrations : Revocation notification initiated and sent to customer 23 days after registration, revocation processed 10 days later • Policy Expiration : Revocation notification initiated and sent to customer 10 days after policy expiration, revocation processed 10 days later • Policy Cancellation : Revocation notification initiated and sent to customer 10 days (this is a change from 23 days) after cancellation, revocation processed 10 days later 7 June 11th, 2019
Policy Updates/Clarifications Registration Revocation and Implementation Timeframes Example – New Registration – No policy received • New Registration processed by RMV 4/2/2020 Date Action Registration Policy Action Notice to Carrier Days Status Status 4/2/2020 1 Active No Policy Customer Registers Active Registration – No Policy Vehicle 4/24/2020 23 Active No Policy Notice of Revocation No Policy Reported – mailed to Customer registration pending revocation; 5/4/2020 33 Revoked No Policy Registration Revoked No Policy Reported - due to no insurance Registration Revoked • A policy record received prior to 4/24/2020 will ensure customer does not receive a Notice of Revocation • A policy record received prior to 5/4/2020 will stop the registration from being revoked 8 June 11th, 2019
Policy Updates/Clarifications Registration Revocation and Implementation Timeframes Example – Policy expiration – No new policy received • Policy Expires 5/15/2020 Date Action Registration Policy Action Notice to Carrier Days Status Status 5/15/2020 0 Active Active 5/16/2020 1 Active Expired Policy expired Active Registration, policy expired 5/25/2020 10 Active Expired Notice of Revocation sent Policy expire, registration to customer pending revocation 6/4/2020 20 Revoked Expired Registration revoked due Policy Expired, Registration to expired insurance Revoked • A policy record received prior to 5/25/2020 will ensure customer does not receive a Notice of Revocation • A policy record received prior to 6/4/2020 will stop the registration from being revoked 9 June 11th, 2019
Policy Updates/Clarifications Registration Revocation and Implementation Timeframes Example – Policy Cancellation – No new policy received • Policy Cancelled by Carrier 1/15/2020 Date Action Registration Policy Action Notice to Carrier Days Status Status 1/15/2020 0 Active Active 1/16/2020 1 Active Cancelled Carrier cancels policy, effective 1/15/2020 1/25/2020 10 Active Cancelled Notice of Revocation sent to customer 2/4/2020 20 Revoked Cancelled Registration revoked due to expired insurance • Does not show on Notice to Carrier due to cancellation • A policy record received from current or new carrier prior to 1/25/2020 will ensure customer does not receive a Notice of Revocation • A policy record received from current or new carrier prior to 2/4/2020 will stop the registration from being revoked 10 June 11th, 2019
Policy Updates/Clarifications Registration Revocation and Implementation Timeframes Example – Registration Transfer (from vehicle B to vehicle A – Policy not amended) • Policy Effective Date – 3/1/2020; Registration Transferred on 3/2/2020 Date Action Registration Policy Action Notice to Carrier Days Status Status 3/1/2020 0 a. No Reg. a. No Policy b. Active b. Active 3/2/2020 1 a. Active a. No Policy Customer transfers a. Active registration, no b. No Reg b. Active existing registration to a policy reported new vehicle b. Active policy, no registered vehicle 3/24/2020 23 a. Active a. No Policy Notice of Revocation a. No policy reported, b. No Reg b. Active sent to customer registration pending revocation b. Active policy, no registered vehicle 4/3/2020 33 a. Revoked a. No Policy Registration revoked a. No policy reported, b. No Reg b. Active due to no insurance registration revoked b. Active policy, no registered vehicle 11 June 11th, 2019
Notice to Carrier • Combines current reports (e.g. Active Vehicles with No Policy, Expired Policies with no Other Coverage) expanded to cover additional policy situations that require review/response • Information will be current as of the time of access, and consistent regardless of method: • Via Secure Batch File transfer – Available daily. Notice to Carrier Transaction file (not paper report). • Via SOAP web service – Available real-time. Returns Notice to Carrier transactions via web service. • Via Insurance eService Portal – Available real-time. Screen based table within the ATLAS portal, not a paper report (table will be exportable and printable) • Each carrier will determine how they plan to consume this information • Batch files will only be generated if that communication vehicle is chosen and fully tested. • Web Service calls will only be authorized if that communication vehicle is chosen and fully tested. • Information is cumulative and will show the changing status of a vehicle on the report • As soon as an issue is resolved, that issue will no longer show on the report 12 June 11th, 2019
Notice to Carrier Reporting examples Notice to Carrier Notification Indicates one of the following • New Reg. prior to receipt of policy; Active registration, no policy reported • Registration transferred without policy amend • New Reg. prior to receipt of policy – after 23 days; No policy reported, registration pending revocation • New Reg. prior to receipt of policy – after 33 days; No policy reported, registration revoked • Existing Registration after policy expiration date Active registration, policy expired • Existing Registration after policy expiration date – Policy expired, registration pending revocation after 10 days • Existing Registration after policy expiration date – Policy expired, registration revoked after 20 days • Policy still active after registration expiration Active policy, registration expired • Plate Swap Active policy, registration plate number change • Owner Cancelled Registration Active policy, registration cancelled 13 June 11th, 2019
Working Batch Errors • Batch errors are returned as part of the batch response file • The RMV expects carriers to review returned errors and take corrective action • ATLAS eService Portal will support real-time corrections directly in ATLAS • Batch errors will not be visible on the portal 14 June 11th, 2019
ATLAS Interface Timeline 15 June 11th, 2019
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