The halls of the state capitols may be somewhat still these days in autumn with so many state legislative sessions having ended. However, insurers continue to contend with upcoming Jan. 1, 2013 effective dates. A few examples serve to both demonstrate the range of areas impacted within an insurance company and indicate the need for procedural changes to ensure compliance when the first of the year rolls around.

The Alabama Department of Revenue (DOR) expects to begin using its new online insurance verification system (OIVS) on Jan. 1, 2013. This permits the verification of motor vehicles covered by liability insurance. Insurers are required to cooperate with the DOR establishing the OIVS and must allow access through the OIVS to verify insurance status. A user guide is available on the DOR's website, along with the Insurer Information Form which must be completed and submitted. The Department of Insurance (DOI) has enforcement powers allowing the imposition of fines of up to $5,000. A bulletin issued by the DOI on Oct. 29, 2012 provides information on the requirements of OIVS.

Both homeowners' and motor vehicle insurance are featured in two of the upcoming effective dates in California. Insurers issuing homeowners' or tenant's policies will not be allowed to refuse to issue a policy or cancel one solely on the basis that the applicant or policyholder is engaged in foster home activities in a certified family home.