Bill

Bill > HB390


KY HB390

KY HB390
AN ACT relating to motor vehicle insurance.


summary

Introduced
02/06/2025
In Committee
03/11/2025
Crossed Over
02/26/2025
Passed
03/13/2025
Dead
Signed/Enacted/Adopted
03/19/2025

Introduced Session

2025 Regular Session

Bill Summary

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; create a technical advisory committee to make recommendations to department; establish duties and other requirements for the committee; require the department to submit certain drafts to the committee and to publish a final detailed guide; prohibit civil or administrative liability for insurers complying with information submission and access requirements; require the department to make certain notifications and to revoke an owner's motor vehicle registration if proof of insurance is not indicated; establish requirements for submitting proof of insurance to the department; amend confidentiality requirements for information obtained by the department; require the Commonwealth Office of Technology and the Department of Insurance to provide support and assistance to the department; amend KRS 186.040 to apply motor vehicle registration reinstatement fee to revocations by the department for failure to maintain insurance; direct reinstatement fee for failure to maintain insurance into an agency fund for accessible online insurance verification system; amend KRS 186.180 to make technical amendments and conform; provide that a revoked registration for failure to maintain insurance may be reinstated if the owner pays reinstatement fee and submits proof of insurance; amend KRS 304.39-117 to make technical amendments and conform; require insurance cards for commercial motor vehicles to clearly indicate commercial or fleet coverage; amend KRS 304.39-087 to conform; provide for expiration of existing reporting system for personal motor vehicles; amend KRS 186A.042, 186A.100, 186.021, 186.190, 186.990, and 304.39-085 to conform and make technical amendments; establish requirements for the Department of Insurance and the Department of Vehicle Regulation relating to technical advisory committee appointments and first meeting; EFFECTIVE, in part, January 1, 2027.

AI Summary

This bill establishes a comprehensive new accessible online insurance verification system for motor vehicles in Kentucky, updating existing laws related to vehicle registration and insurance tracking. The bill requires the Department of Vehicle Regulation to create an online system that will verify motor vehicle insurance status, with a phased implementation beginning in October 2026 and becoming fully operational by January 2027. Insurance companies will be required to electronically submit information about insured vehicles, including vehicle identification numbers (VINs) and policyholder names, for both personal and commercial motor vehicles. The bill creates a technical advisory committee composed of seven members, including representatives from major insurance companies and government agencies, to provide recommendations and oversight for the system's development and implementation. The system aims to improve the efficiency of tracking vehicle insurance compliance, allowing authorized personnel like law enforcement and county clerks to quickly verify a vehicle's insurance status. The bill also updates various related statutes concerning vehicle registration, insurance documentation, and penalties for non-compliance. Insurers are protected from civil liability for good-faith efforts to comply with the new reporting requirements, and the system is designed to maintain data privacy and security. The implementation will be gradual, with full functionality expected by January 2027, and includes provisions for technical support from the Commonwealth Office of Technology and the Department of Insurance.

Committee Categories

Business and Industry

Sponsors (3)

Last Action

signed by Governor (Acts Ch. 39) (on 03/19/2025)

bill text


bill summary

Loading...

bill summary

Loading...
Loading...