Abstract: A system and method for insurance coverage verification. A computerized system for insurance coverage verification includes an insurance coverage verification server that receives and processes requests for insurance coverage verification, an insurance coverage verification database that stores insurance coverage information in a plurality of motorist records that are indexed by DLs and a network connection for receiving the insurance coverage verification requests and communicating responses to the insurance coverage verification. Each request for insurance coverage verification includes a driver's license number (“DL”) identifying a motorist for which insurance coverage verification is sought. The insurance coverage verification server verifies that the motorist has insurance coverage by matching the DL included in a request to an indexing DL in the database and retrieving the DL-indexed motorist record. The DL-indexed record is the motorist's only proof of insurance.