AN ACT relating to motor vehicle insurance.

Amend KRS 186A.040 to define terms; require the Department of Vehicle Regulation to establish an accessible online insurance verification system; establish requirements and timelines for making the system accessible and promulgating administrative regulations; establish requirements and guidelines for the department and the system; establish requirements for insurers to cooperate with the department and to submit insurance information relating to personal motor vehicles; provide option for insurers to submit insurance status information for commercial motor vehicles;…

County Clerks Fees Insurance, Motor Vehicle Motor Vehicles State Agencies Transportation Administrative Regulations and Proceedings Circuit Clerks Advisory Boards, Commissions, and Committees Local Mandate

Effective date: set within the act

This act specifies its own effective date(s) for some or all of its sections instead of following the standard 90-day rule (Ky. Constitution § 55) — see the act text for the exact dates.

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This law creates a new online system that automatically checks whether Kentucky drivers have active car insurance, replacing the current reporting setup. If the system shows a vehicle owner lacks insurance, their registration can be revoked, and they must pay a reinstatement fee and show proof of coverage to get it back. Insurance companies will be required to submit coverage information for personal vehicles to the state, and a technical advisory committee will help guide…

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