Texas Administrative Code › Title 28 - INSURANCE › Part 1 - TEXAS DEPARTMENT OF INSURANCE › Chapter 5 - PROPERTY AND CASUALTY INSURANCE › Subchapter A - AUTOMOBILE INSURANCE › Division 7 - FINANCIAL RESPONSIBILITY VERIFICATION PROGRAM › Section 5.602 - Definitions

Current through Reg. 49, No. 28; July 12, 2024
The following words and terms when used in this division
						shall have the following meanings unless the context clearly indicates
						otherwise.
(1) Back-up data--Data
					 simultaneously copied, i.e. mirrored, to another physical location and storage
					 device at set intervals.
(2)
					 Cascading data matching--A data matching algorithm that uses multiple data
					 fields to increase the accuracy and/or frequency of matched data. Cascading
					 data matching may not result in a 100 percent match of all fields, but a match
					 may be made with a reasonable degree of accuracy.
(3) Cold site--A secure location where
					 equipment would be shipped following a disaster.
(4) Critical time--The time in days per week
					 and/or hours per day when the system is expected to be available and fully
					 functional.
(5) Data--Information
					 of any type.
(6) Database
					 insurer--An insurer that elects to report insurance policy records directly to
					 the vendor using the database program.
(7) Database program--A vendor maintained
					 database, derived from insurance policy records submitted by insurers and
					 vehicle and driver information maintained by TxDOT and DPS, created for the
					 purpose of insurance verification during the event based and ongoing
					 verification processes.
(8)
					 Delegated MGA--A department licensed managing general agent operating on behalf
					 of an insurer through a delegation contract with that insurer under §
											5.609(a)
					 of this subchapter (relating to Delegation and New Insurers).
(9) Department--Texas Department of
					 Insurance.
(10) DPS--Texas
					 Department of Public Safety.
(11)
					 Event based process--A data transmission process using the database and/or web
					 services programs to promptly verify insurance coverage.
(12) Hot site--A secure location with data
					 processing equipment already in place that can be activated in case of a
					 disaster.
(13) Insurer--An
					 insurance company or insurance carrier that writes motor vehicle insurance in
					 this state, including stock companies, mutual companies, Lloyd's plans, county
					 mutuals, farm mutuals, surplus lines carriers, and reciprocal
					 exchanges.
(14) Listed Driver--A
					 driver listed on a personal automobile insurance policy, not including a named
					 excluded driver to whom no coverage is offered under the insurance
					 policy.
(15) Match Rate--The
					 percentage of insurance policy records matched to vehicles, divided by the
					 total number of all insurance policy records.
(16) Ongoing verification process--A data
					 transmission process using the database and/or web services programs to verify
					 financial responsibility of owners of motor vehicles on a continuing
					 basis.
(17) Personal automobile
					 insurance policy--A motor vehicle insurance policy providing the liability
					 coverage required by the Texas Motor Vehicle Safety Responsibility Act in
					 connection with the ownership, maintenance, or use of a private passenger,
					 utility, or miscellaneous type motor vehicle, including a motor home, trailer,
					 or recreational vehicle, that is owned or leased by an individual or
					 individuals and not primarily used for the delivery of goods, materials, or
					 services, other than for use in farm or ranch operations, including non-owner
					 policies and mileage based policies.
(18) Program--Financial Responsibility
					 Verification Program, including both the database program and the web services
					 program.
(19) Recovery Point
					 Objective (RPO)--The point in time at which the data processing services
					 supporting the financial responsibility verification program are expected to be
					 available following an outage.
(20)
					 Recovery Time Objective (RTO)--The number of hours between the loss of data
					 processing services until full services are expected to be available
					 again.
(21) TxDOT--Texas Department
					 of Transportation.
(22) User--A
					 person that verifies insurance information through the Financial Responsibility
					 Verification Program.
(23) User
					 Guide--Financial Responsibility Verification Program Guide and User
					 Manual.
(24) Vendor--Agent selected
					 to develop, implement, operate, and maintain the Financial Responsibility
					 Verification Program.
(25)
					 VIN--Vehicle identification number.
(26) Web services insurer--An insurer that
					 elects to provide insurance policy record data to the vendor using a web
					 services program.
(27) Web services
					 program--A program developed and maintained by a participating insurer that
					 complies with §§
											5.606,
					 5.607,
					 and
					 5.608
					 of this subchapter (relating to Requirements for Insurers Using the Web
					 Services Program, Web Services Program System Requirements and Web Services
					 Program Performance Requirements).