SECTION 5.602. Definitions

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).

Source Note: The provisions of this §5.602 adopted to be effective December 5, 2006, 31 TexReg 9730