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; 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.