Clips From the Clerk
MIIBD
The Motorist Insurance Identification Database (MIIDB), also known as Drive Insured, is an online tool used by the Colorado Department of Revenue (DOR). Its purpose is to help law enforcement, County DMV offices, and other state and local governmental entities quickly confirm the current insurance status of motor vehicles registered in Colorado.
The database works by regularly comparing two main sets of data:
- Vehicle registration records from the DMV.
- The most up-to-date policy information provided by insurance companies.
The MIIDB is provided with vehicle registration updates from the DMV daily and insurance policy updates from insurance companies weekly, at a minimum. The MIIDB performs the matching process and reports all vehicle insurance status changes to the DMV daily.
Your insurance agency is required by law to report insurance information to MIIDB. There are times, due to technical or other issues, that information is not reported or is not reported correctly. In these cases, you should reach out to your insurance agency to inquire.
Access to the MIIDB is governed by Colorado statutes (e.g., CRS 42-7-604) and is strictly for official purposes to identify uninsured vehicles and enforce motor vehicle financial responsibility laws. There are regulations about how this information can be used and disclosed.
Under CRS Section 42-4-1409, driving without a valid insurance policy is a Class 1 misdemeanor traffic offense. The penalties escalate significantly with each offense.
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