Your TLC Insurance Shows ‘Not Active’? Why It Happens & How to Fix It

When drivers log in to TLC UP or check their TLC vehicle status, some notice that the insurance shows “Not Active” or “Inactive.” This can cause stress, especially when the license is already renewed and the premium is paid. This guide explains what that status means, why it happens, and the official steps to fix it based on TLC’s published procedures.

What ‘Insurance Not Active’ Means on TLC Systems

The TLC system only marks insurance as active after it receives confirmation through its insurance reporting system. Even if a driver has an active insurance policy, the status will remain inactive on TLC UP or LARS until the insurance carrier electronically submits the insurance record to TLC.

How TLC Receives Insurance Information

According to TLC’s public information, only insurance companies authorized by TLC can submit insurance information. Drivers and brokers cannot directly upload insurance documents to activate coverage in the TLC database. The insurance carrier must transmit the policy information through TLC’s electronic submission process.

Why the Status May Show Inactive

TLC lists the following reasons a vehicle may show as uninsured or inactive:
  • The insurance company has not yet submitted the electronic insurance record.
  • The submission was sent but has not yet updated in the TLC system.
  • A change in vehicle plate number or VIN caused a mismatch.
  • A renewal policy was issued but marked as a new policy instead of a continuation.
  • The previous policy expired, and there is a gap before the new policy was received by TLC.
  • The policy was submitted, but TLC rejected it due to incorrect plate number, VIN, or base affiliation.

How to Fix an Inactive TLC Insurance Status

A driver cannot activate insurance manually on TLC UP. The only solution is to confirm that the insurance carrier has successfully transmitted the policy to TLC. Drivers can contact their insurance provider or broker and ask whether the policy was sent through TLC’s required electronic format.

If the policy has already been transmitted, it may take time before TLC updates the record in its system.

How Long It Usually Takes for TLC to Update Insurance

TLC states that the update time depends on when the insurance carrier submits the policy. Once the submission is received and accepted by TLC, the system reflects the change. The update may not be instant and can take a short processing period.

When to Contact TLC

Drivers should only contact TLC if:

  • The insurance company confirms that the record was submitted and accepted.
  • More than a reasonable processing time has passed, and the status is still inactive.
  • TLC UP continues to show a lapse even though the carrier verified proper transmission.

In such cases, drivers can contact TLC using the official communication options available on the website.

Final Notes for Drivers

If TLC shows your insurance as not active, it does not always mean that your policy is invalid. It may simply mean that the policy has not yet been transmitted or accepted in the TLC system. Checking with the insurance provider and confirming the electronic submission is the most effective first step before contacting TLC directly.

Official Reference Links

Vehicle Insurance Information – NYC TLC
https://www.nyc.gov/site/tlc/vehicles/vehicle-insurance.page

TLC UP Portal
https://www.nyc.gov/site/tlc/about/tlc-up.page

TLC Contact Options
https://www.nyc.gov/site/tlc/about/contact-tlc.page

Disclaimer

This article explains information based on NYC TLC’s public guidelines. Drivers should always refer to the official TLC website for current rules and system updates.

keep updating with TLC news, advice, Tips and Tricks with #AskMegaTLCgenius and Visit megainsurance.nyc  website.. Read Trending TLC Blog .
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