This is the only possible solution to the problems associated with almost one in five vehicles now being uninsured. It alone is totally non-invasive, accurate, law enforcement-controlled, intra/interstate and legal…

Frequently Asked Questions

How does it work? 

Smart Town is hosted and empowered by NLETS, the nation’s law enforcement communications system. Nothing is more secure and safe. It is linked to every law enforcement officer in every state and also linked to all Provinces of Canada and other law enforcement agencies and organizations around the world.

Much of the data received and maintained by insurers is inaccurate; in fact the only data that they can be absolutely certain of is the policy number, because they issued it. Much of the data received and maintained by governments is also inaccurate, (in fact, it is estimated that thirty percent of all VINs (Vehicle Identification Numbers) received by some State governments are incorrect) and, similar to the situation with insurers and policy numbers, the only field they can be certain of is the registration number because that government issued it. This is simply the "perfect bridge" between insurers and governments. Using our proprietary technology, all concerns regarding inaccurate VINs and the need for many fields of invasive, personal data (to try and match policies to those vehicles) disappears.

The unique code ("UC") assigned, is used to ensure that vehicle registrations and any other status checks result in totally accurate status. Status is always current to the minute. Status can be provided to any DMV staff member, any law enforcement officer checking a vehicle’s registration, or to the courts which can be provided with both on-line access or by calling an "800" telephone number and entering the UC verbally or by "touch tone." Courts get current insurance status, status the date of citation and, to eliminate back-dated policies, status the date prior to citation. They can also access periods of coverage.

What does ‘non-invasive’ really mean?
This system does not require personal information of any kind. This unique approach has gained the support of privacy advocates nationally. The system even has a portal for the ACLU…it is totally transparent in operation. This demonstrates that it is possible to use systems capable of properly enforcing compliance with the law while not invading the privacy of individuals or insurers in any manner. This system can provide certain reports, (for example, when three or more insurers have insured the same vehicle, which almost certainly identifies a "repair scam"). In that case, the system automatically sends out notices to the governments and insurers involved, but again, and this is true of all operations and reports…no name or address is possible because that data never exists in the system.

Who pays for it?
This makes and/or saves money for every participant. Policyholders, governments, (especially law enforcement, registration/DMV and courts benefit greatly. Insurers and agents are also substantial beneficiaries. No law enforcement entity ever pays any fee. This is intended to assist their efforts in protecting the Public. Likewise, the Public also pays nothing. This is a “found money” system. With market forces at work, the new funds that are created for the government, insurers and agents, will eventually reduce the financial burden placed on policyholders to insure vehicles; everyone benefits from this solution.

What if I am traveling in another State?
If you are stopped in another State your vehicle will be identified automatically, vehicle insurance and registration status will be instantly and accurately verified. Also, this is a national system and it can be paperless, no longer requiring that you maintain insurance ID documents in the vehicle.

How does this help ensure that vehicles are compliant?
Vehicle insurance is now required in every state, (even a form of it finally, in New Hampshire). Sometimes called “Financial Responsibility”, it is all still vehicle insurance. With Smart Town, requirements will be fully enforceable for the first time. Whenever a law enforcement officer verifies the status of vehicle registration automatically or at roadside, insurance status is provided.  Registration, (counter, mail and "e" registration), can also be easily and automatically linked, ensuring that no registration is possible without current, valid insurance. In fact, this is the only possible method ever devised to ensure accurate "e" and regular mail registration.. Registration without valid insurance becomes impossible and the role of law enforcement becomes far more efficient and safer.

Can this be just a "Law Enforcement" System?
Yes, in fact any Government entity can implement the system and do so almost immediately. They do so with little or no cost or trauma and yet will enjoy immediate, massive benefits. A State Police organization, for example, can via NLETS, ensure that all Law Enforcement personnel with access to their system can know, with absolute certainty, the exact insurance status of every vehicle whose registration is checked.

Can this be just an "Insurer System”?
Yes, and greatly benefit the insurer and its policyholders. Any insurer interested should contact us directly. 

Is this US Communities approved?              
Yes and it can be contracted for by any governmental agency at Federal, State or local level immediately.

What happens if criminals copy the insurance card?
No ID card is actually required by the system. It will no longer matter if the driver does or does not have an insurance card.

Why is this called the "National Insurance Status System"?
Because it is. This is not limited to a single company or group of companies, it is operational "24/7/365", not just at certain times, not limited to a single State but available to all jurisdictions, is based on a total "dump" technology which frees insurers from having to sort by jurisdiction (they simply send all daily activity), is available for use to every law enforcement officer in the United States without cost, and also to every person in the United States free of charge. It is the first and only "National Insurance Status System" in every possible regard. It is also accurate, non-invasive and complete in every way.

If someone did not renew insurance, how does the system know?
This solution’s data is always the same as that of the insurer itself. It is updated automatically without cost or effort for insurers at least daily. About twenty of the thousands of Property and Casualty Insurers in the U.S. account for over 89% of all policies written. Those insurers, (and hundreds of others), are now providing daily electronic updates to over twenty States. This solution takes data in any format and enables currently non-reporting insurers to also easily handle needs and enjoy dramatic benefits without cost. Either through the use of real-time secure portals provided to every agent and insurer or with binders covering transactions, the insurer’s system automatically and without effort, will provide updates.

How can this solution stop backdated policies?
Very easily. The system is updated at least daily. Back-dated policies are impossible with this technology and many other types of fraud are as well. Policyholders have inevitably paid for fraud in increased rates. Nationally, ending this fraud will save tens of billions of dollars in losses each year now passed on to policyholders.