Title 601 | Chapter 009 | Regulation 120E
601 KAR 9:120REG
A proposed version of this document exists.
STATEMENT OF EMERGENCY
601 KAR 9:120E
This emergency administrative regulation is being promulgated to comply with KRS 186A.040(2)(a)3, which was amended by House Bill 390 during the 2025 regular session. The purpose of this regulation is to establish, implement, and effectuate an online insurance verification system. Except as otherwise provided, this online verification system will establish guidelines and requirements consistent with the IICMVA guidelines. This regulation will include provisions to secure the system’s data against unauthorized access. This regulation will also include the information that insurers shall electronically submit, the format used, and the manner and frequency of submissions. This regulation shall apply to both personal and commercial motor vehicles. In addition, this regulation will detail data retention times and may allow for alternative method of reporting. This administrative regulation is being filed on an emergency basis to meet the effective date of January 1, 2026, established by KRS 186A.040(2)(a)3. This emergency administrative regulation will be replaced by an ordinary administrative regulation pursuant to KRS Chapter 13A. The companion ordinary administrative regulation is identical to this emergency administrative regulation.
ANDY BESHEAR, Governor
JIM GRAY, Secretary
TRANSPORTATION CABINET
Department of Vehicle Regulation
Division of Motor Vehicle Licensing
(New Emergency Administrative Regulation)
601 KAR 9:120E.Accessible online insurance verification system.
Section 1.
Definitions.(1)
"Accessible online insurance verification system" means the accessible online insurance verification system established by the department.(2)
"Commercial motor vehicle" is defined by KRS 186A.040(1)(b).(3)
"Commercial motor vehicle insurance" is defined by KRS 186A.040(1)(c).(4)
"Department" is defined by KRS 186A.040(1)(d).(5)
"IICMVA" is defined by KRS 186A.040(1)(e).(6)
"Insurer" means an insurer that provides coverage for the security required under KRS 304.39-080.(7)
"Personal motor vehicle" is defined pursuant to KRS 304.39-087(1)(a).(8)
"Requestor" is defined by KRS 186A.040(1)(h).Section 2.
Insurers Responsibilities.(1)
Insurers shall comply with all system requirements as specified in the Kentucky Automobile Insurers Reporting Guide located at https://drive.ky.gov/Documents/Kentucky-Automobile-Insurer-Reporting-Guide.pdf, consistent with guidelines established by the IICMVA.(2)
Insurers shall ensure the security and protection of all data transmitted through the system, following the standards and protocols outlined in the Kentucky Automobile Insurers Reporting Guide.(3)
Insurers shall electronically submit required insurance information for personal and commercial motor vehicles in the format, manner, and frequency specified in the Kentucky Automobile Insurers Reporting Guide.(4)
Insurers with 1,000 or fewer active motor vehicle insurance policies may be permitted to use alternative reporting methods as set forth in the Kentucky Automobile Insurers Reporting Guide.Section 3.
Records retention.(1)
The third-party vendor shall retain records of all insurance verification requests and responses for a period of twelve (12) months.(2)
These records shall be made available to only requestors defined by KRS 186A.040(1)(h).HISTORY: COMPILER'S NOTE: 2025 RS HB 6, enacted by the General Assembly on March 27, 2025, altered the information to be provided at the time an administrative regulation is filed. Aside from formatting changes necessary to upload the regulation into the LRC's publication application, this regulation has been published as submitted by the agency.
JIM GRAY, Secretary
MATTHEW COLE, Commissioner
APPROVED BY AGENCY: December 9, 2025
FILED WITH LRC: December 11, 2025 at 1:44 p.m.
PUBLIC HEARING AND COMMENT PERIOD: A public hearing on this administrative regulation shall be held on January 21, 2026, at 10:00 a.m. EST, at the Kentucky Transportation Cabinet, 200 Mero Street, Frankfort, Kentucky 40622. Individuals interested in being heard at this hearing shall notify this agency in writing by five (5) working days prior to the hearing, of their intent to attend. If no notification of intent to attend the hearing is received by that date, the hearing may be cancelled. A transcript of the public hearing will not be made unless a written request for a transcript is made. If you do not wish to be heard at the public hearing, you may submit written comments on the proposed administrative regulation. Written comments shall be accepted through 11:59 p.m. on January 31, 2026. Send written notification of intent to be heard at the public hearing or written comments on the proposed administrative regulation to the contact person below.
CONTACT PERSON: Jon Johnson, Staff Attorney Manager/Assistant General Counsel, Transportation Cabinet, Office of Legal Services. 200 Mero Street, Frankfort, Kentucky 40622; phone (502) 564-7650, fax (502) 564-5238, email jon.johnson@ky.gov.
REGULATORY IMPACT ANALYSIS AND TIERING STATEMENT
Contact Person:
Jon Johnson
Subject Headings:
Insurance, Motor Vehicle; Transportation; County Clerks
(1) Provide a brief summary of:
(a) What this administrative regulation does:
To establish, implement, and effectuate the accessible online insurance verification system.
(b) The necessity of this administrative regulation:
Required by statute to establish guidelines and requirements, set provisions for security, specify the information transmitted by insurers, and establish record retention.
(c) How this administrative regulation conforms to the content of the authorizing statutes:
This regulation fulfills the mandates of 186A040 in accordance with Chapter 13A.
(d) How this administrative regulation currently assists or will assist in the effective administration of the statutes:
This administrative regulation will assist in providing the framework for the implementation and utilization of the online insurance verification system.
(2) If this is an amendment to an existing administrative regulation, provide a brief summary of:
(a) How the amendment will change this existing administrative regulation:
N/A
(b) The necessity of the amendment to this administrative regulation:
N/A
(c) How the amendment conforms to the content of the authorizing statutes:
N/A
(d) How the amendment will assist in the effective administration of the statutes:
N/A
(3) Does this administrative regulation or amendment implement legislation from the previous five years?
: Yes, Ky Acts Ch 39, HB 390 of the 2025 Regular Session.
(4) List the type and number of individuals, businesses, organizations, or state and local governments affected by this administrative regulation:
Insurance Providers, Kentucky Transportation Cabinet (KYTC), County Clerks, Insured Drivers, District & Circuit Courts, County Attorney or Commonwealth Attorneys, and Law Enforcement Agencies.
(5) Provide an analysis of how the entities identified in question (4) will be impacted by either the implementation of this administrative regulation, if new, or by the change, if it is an amendment, including:
(a) List the actions that each of the regulated entities identified in question (4) will have to take to comply with this administrative regulation or amendment:
Insurance Providers will be required to integrate with the new 3rd party solution and provide ‘on demand’ data availability unless the insurer writes less than 1000 or less. For those insurers that write 1000 or less policies a web interface will be provided for them to submit updates and changes to policies. KYTC will contract with a vendor to develop, implement, and maintain a new online verification system. County Clerks will have streamlined interface to verify insurance coverage which will require minimal training. Insured drivers will not have a material change. District and Circuit Courts, County Attorney or Commonwealth Attorneys will need to modify how they request records for court of coverage. Law enforcement agencies no material changes.
(b) In complying with this administrative regulation or amendment, how much will it cost each of the entities identified in question (4):
Insurance Providers costs are unknown. KYTC $1.2 million annually. County Clerks N/A. Insured Drivers N/A. District & Circuit Courts, County Attorney or Commonwealth Attorneys N/A. Law enforcement agencies N/A.
(c) As a result of compliance, what benefits will accrue to the entities identified in question (4):
Insurance Providers will have a streamlined method to report coverages and access web interface for verification or changes in real time. KYTC improved consistency in insurance reporting. KYTC will have a real time verification option. Robust reporting will be available as needed. County Clerks will experience a decrease in complaints. Insured drivers will have up to date records available in real time. District and Circuit Courts, County Attorney or Commonwealth Attorneys will see no changes. Law enforcement agencies records will have real time coverage verification.
(6) Provide an estimate of how much it will cost the administrative body to implement this administrative regulation:
(a) Initially:
$1.5 Million (for first year)
(b) On a continuing basis:
$1.2 Million (annually)
(7) What is the source of the funding to be used for the implementation and enforcement of this administrative regulation or this amendment:
Sourced from ‘First Dollar Account’ pursuant to KRS 186.040(6)(b)(1), $20 of the $40 reinstatement fee collected pursuant to KRS 186.040(8)(a)(b) and Road Fund.
(8) Provide an assessment of whether an increase in fees or funding will be necessary to implement this administrative regulation, if new, or by the change if it is an amendment:
No increase in fees required, an additional budget request has been submitted for increase in cost to KYTC.
(9) State whether or not this administrative regulation establishes any fees or directly or indirectly increases any fees:
This administrative regulation does not establish any fees.
(10) TIERING: Is tiering applied?
Tiering is not used and does not apply.
FISCAL IMPACT STATEMENT
(1) Identify each state statute, federal statute, or federal regulation that requires or authorizes the action taken by the administrative regulation:
186A.040; Chapter 13A
(2) State whether this administrative regulation is expressly authorized by an act of the General Assembly, and if so, identify the act:
Yes, Ky Acts Chapter 39, HB 390 of 2025 Regular Session.
(3)(a) Identify the promulgating agency and any other affected state units, parts, or divisions:
Kentucky Transportation Cabinet
(b) Estimate the following for each affected state unit, part, or division identified in (3)(a):
1. Expenditures:
For the first year:
$1.5 Million
For subsequent years:
$1.2 Million
2. Revenues:
For the first year:
Potential increase in fees collected for reinstatements
For subsequent years:
N/A
3. Cost Savings:
For the first year:
N/A
For subsequent years:
N/A
(4)(a) Identify affected local entities (for example: cities, counties, fire departments, school districts):
Kentucky County Clerks, District and Circuit Clerks
(b) Estimate the following for each affected local entity identified in (4)(a):
1. Expenditures:
For the first year:
None
For subsequent years:
None
2. Revenues:
For the first year:
Potential increase in fees collected for reinstatements
For subsequent years:
None
3. Cost Savings:
For the first year:
N/A
For subsequent years:
N/A
(5)(a) Identify any affected regulated entities not listed in (3)(a) or (4)(a):
N/A
(b) Estimate the following for each regulated entity identified in (5)(a):
1. Expenditures:
For the first year:
N/A
For subsequent years:
N/A
2. Revenues:
For the first year:
N/A
For subsequent years:
N/A
3. Cost Savings:
For the first year:
N/A
For subsequent years:
N/A
(6) Provide a narrative to explain the following for each entity identified in (3)(a), (4)(a), and (5)(a)
(a) Fiscal impact of this administrative regulation:
KYTC costs will be $1.5 Million for first year and $1.2 Million for consecutive years is the full fiscal impact which will be funded by a combination of sources. No fiscal impact for County Clerks, District Clerks, and Circuit Clerks.
(b) Methodology and resources used to reach this conclusion:
Third party vendor quote and internal estimates provided the fiscal impact.
(7) Explain, as it relates to the entities identified in (3)(a), (4)(a), and (5)(a):
(a) Whether this administrative regulation will have a "major economic impact", as defined by KRS 13A.010(14):
Yes, for KYTC. No fiscal impact for County Clerks, District Clerks, and Circuit Clerks.
(b) The methodology and resources used to reach this conclusion:
Third party vendor quote and internal estimates provided the fiscal impact.
STATEMENT OF EMERGENCY
601 KAR 9:120E
This emergency administrative regulation is being promulgated to comply with KRS 186A.040(2)(a)3, which was amended by House Bill 390 during the 2025 regular session. The purpose of this regulation is to establish, implement, and effectuate an online insurance verification system. Except as otherwise provided, this online verification system will establish guidelines and requirements consistent with the IICMVA guidelines. This regulation will include provisions to secure the system’s data against unauthorized access. This regulation will also include the information that insurers shall electronically submit, the format used, and the manner and frequency of submissions. This regulation shall apply to both personal and commercial motor vehicles. In addition, this regulation will detail data retention times and may allow for alternative method of reporting. This administrative regulation is being filed on an emergency basis to meet the effective date of January 1, 2026, established by KRS 186A.040(2)(a)3. This emergency administrative regulation will be replaced by an ordinary administrative regulation pursuant to KRS Chapter 13A. The companion ordinary administrative regulation is identical to this emergency administrative regulation.
ANDY BESHEAR, Governor
JIM GRAY, Secretary
TRANSPORTATION CABINET
Department of Vehicle Regulation
Division of Motor Vehicle Licensing
(New Emergency Administrative Regulation)
601 KAR 9:120E.Accessible online insurance verification system.
Section 1.
Definitions.(1)
"Accessible online insurance verification system" means the accessible online insurance verification system established by the department.(2)
"Commercial motor vehicle" is defined by KRS 186A.040(1)(b).(3)
"Commercial motor vehicle insurance" is defined by KRS 186A.040(1)(c).(4)
"Department" is defined by KRS 186A.040(1)(d).(5)
"IICMVA" is defined by KRS 186A.040(1)(e).(6)
"Insurer" means an insurer that provides coverage for the security required under KRS 304.39-080.(7)
"Personal motor vehicle" is defined pursuant to KRS 304.39-087(1)(a).(8)
"Requestor" is defined by KRS 186A.040(1)(h).Section 2.
Insurers Responsibilities.(1)
Insurers shall comply with all system requirements as specified in the Kentucky Automobile Insurers Reporting Guide located at https://drive.ky.gov/Documents/Kentucky-Automobile-Insurer-Reporting-Guide.pdf, consistent with guidelines established by the IICMVA.(2)
Insurers shall ensure the security and protection of all data transmitted through the system, following the standards and protocols outlined in the Kentucky Automobile Insurers Reporting Guide.(3)
Insurers shall electronically submit required insurance information for personal and commercial motor vehicles in the format, manner, and frequency specified in the Kentucky Automobile Insurers Reporting Guide.(4)
Insurers with 1,000 or fewer active motor vehicle insurance policies may be permitted to use alternative reporting methods as set forth in the Kentucky Automobile Insurers Reporting Guide.Section 3.
Records retention.(1)
The third-party vendor shall retain records of all insurance verification requests and responses for a period of twelve (12) months.(2)
These records shall be made available to only requestors defined by KRS 186A.040(1)(h).HISTORY: COMPILER'S NOTE: 2025 RS HB 6, enacted by the General Assembly on March 27, 2025, altered the information to be provided at the time an administrative regulation is filed. Aside from formatting changes necessary to upload the regulation into the LRC's publication application, this regulation has been published as submitted by the agency.
JIM GRAY, Secretary
MATTHEW COLE, Commissioner
APPROVED BY AGENCY: December 9, 2025
FILED WITH LRC: December 11, 2025 at 1:44 p.m.
PUBLIC HEARING AND COMMENT PERIOD: A public hearing on this administrative regulation shall be held on January 21, 2026, at 10:00 a.m. EST, at the Kentucky Transportation Cabinet, 200 Mero Street, Frankfort, Kentucky 40622. Individuals interested in being heard at this hearing shall notify this agency in writing by five (5) working days prior to the hearing, of their intent to attend. If no notification of intent to attend the hearing is received by that date, the hearing may be cancelled. A transcript of the public hearing will not be made unless a written request for a transcript is made. If you do not wish to be heard at the public hearing, you may submit written comments on the proposed administrative regulation. Written comments shall be accepted through 11:59 p.m. on January 31, 2026. Send written notification of intent to be heard at the public hearing or written comments on the proposed administrative regulation to the contact person below.
CONTACT PERSON: Jon Johnson, Staff Attorney Manager/Assistant General Counsel, Transportation Cabinet, Office of Legal Services. 200 Mero Street, Frankfort, Kentucky 40622; phone (502) 564-7650, fax (502) 564-5238, email jon.johnson@ky.gov.
REGULATORY IMPACT ANALYSIS AND TIERING STATEMENT
Contact Person:
Jon Johnson
Subject Headings:
Insurance, Motor Vehicle; Transportation; County Clerks
(1) Provide a brief summary of:
(a) What this administrative regulation does:
To establish, implement, and effectuate the accessible online insurance verification system.
(b) The necessity of this administrative regulation:
Required by statute to establish guidelines and requirements, set provisions for security, specify the information transmitted by insurers, and establish record retention.
(c) How this administrative regulation conforms to the content of the authorizing statutes:
This regulation fulfills the mandates of 186A040 in accordance with Chapter 13A.
(d) How this administrative regulation currently assists or will assist in the effective administration of the statutes:
This administrative regulation will assist in providing the framework for the implementation and utilization of the online insurance verification system.
(2) If this is an amendment to an existing administrative regulation, provide a brief summary of:
(a) How the amendment will change this existing administrative regulation:
N/A
(b) The necessity of the amendment to this administrative regulation:
N/A
(c) How the amendment conforms to the content of the authorizing statutes:
N/A
(d) How the amendment will assist in the effective administration of the statutes:
N/A
(3) Does this administrative regulation or amendment implement legislation from the previous five years?
: Yes, Ky Acts Ch 39, HB 390 of the 2025 Regular Session.
(4) List the type and number of individuals, businesses, organizations, or state and local governments affected by this administrative regulation:
Insurance Providers, Kentucky Transportation Cabinet (KYTC), County Clerks, Insured Drivers, District & Circuit Courts, County Attorney or Commonwealth Attorneys, and Law Enforcement Agencies.
(5) Provide an analysis of how the entities identified in question (4) will be impacted by either the implementation of this administrative regulation, if new, or by the change, if it is an amendment, including:
(a) List the actions that each of the regulated entities identified in question (4) will have to take to comply with this administrative regulation or amendment:
Insurance Providers will be required to integrate with the new 3rd party solution and provide ‘on demand’ data availability unless the insurer writes less than 1000 or less. For those insurers that write 1000 or less policies a web interface will be provided for them to submit updates and changes to policies. KYTC will contract with a vendor to develop, implement, and maintain a new online verification system. County Clerks will have streamlined interface to verify insurance coverage which will require minimal training. Insured drivers will not have a material change. District and Circuit Courts, County Attorney or Commonwealth Attorneys will need to modify how they request records for court of coverage. Law enforcement agencies no material changes.
(b) In complying with this administrative regulation or amendment, how much will it cost each of the entities identified in question (4):
Insurance Providers costs are unknown. KYTC $1.2 million annually. County Clerks N/A. Insured Drivers N/A. District & Circuit Courts, County Attorney or Commonwealth Attorneys N/A. Law enforcement agencies N/A.
(c) As a result of compliance, what benefits will accrue to the entities identified in question (4):
Insurance Providers will have a streamlined method to report coverages and access web interface for verification or changes in real time. KYTC improved consistency in insurance reporting. KYTC will have a real time verification option. Robust reporting will be available as needed. County Clerks will experience a decrease in complaints. Insured drivers will have up to date records available in real time. District and Circuit Courts, County Attorney or Commonwealth Attorneys will see no changes. Law enforcement agencies records will have real time coverage verification.
(6) Provide an estimate of how much it will cost the administrative body to implement this administrative regulation:
(a) Initially:
$1.5 Million (for first year)
(b) On a continuing basis:
$1.2 Million (annually)
(7) What is the source of the funding to be used for the implementation and enforcement of this administrative regulation or this amendment:
Sourced from ‘First Dollar Account’ pursuant to KRS 186.040(6)(b)(1), $20 of the $40 reinstatement fee collected pursuant to KRS 186.040(8)(a)(b) and Road Fund.
(8) Provide an assessment of whether an increase in fees or funding will be necessary to implement this administrative regulation, if new, or by the change if it is an amendment:
No increase in fees required, an additional budget request has been submitted for increase in cost to KYTC.
(9) State whether or not this administrative regulation establishes any fees or directly or indirectly increases any fees:
This administrative regulation does not establish any fees.
(10) TIERING: Is tiering applied?
Tiering is not used and does not apply.
FISCAL IMPACT STATEMENT
(1) Identify each state statute, federal statute, or federal regulation that requires or authorizes the action taken by the administrative regulation:
186A.040; Chapter 13A
(2) State whether this administrative regulation is expressly authorized by an act of the General Assembly, and if so, identify the act:
Yes, Ky Acts Chapter 39, HB 390 of 2025 Regular Session.
(3)(a) Identify the promulgating agency and any other affected state units, parts, or divisions:
Kentucky Transportation Cabinet
(b) Estimate the following for each affected state unit, part, or division identified in (3)(a):
1. Expenditures:
For the first year:
$1.5 Million
For subsequent years:
$1.2 Million
2. Revenues:
For the first year:
Potential increase in fees collected for reinstatements
For subsequent years:
N/A
3. Cost Savings:
For the first year:
N/A
For subsequent years:
N/A
(4)(a) Identify affected local entities (for example: cities, counties, fire departments, school districts):
Kentucky County Clerks, District and Circuit Clerks
(b) Estimate the following for each affected local entity identified in (4)(a):
1. Expenditures:
For the first year:
None
For subsequent years:
None
2. Revenues:
For the first year:
Potential increase in fees collected for reinstatements
For subsequent years:
None
3. Cost Savings:
For the first year:
N/A
For subsequent years:
N/A
(5)(a) Identify any affected regulated entities not listed in (3)(a) or (4)(a):
N/A
(b) Estimate the following for each regulated entity identified in (5)(a):
1. Expenditures:
For the first year:
N/A
For subsequent years:
N/A
2. Revenues:
For the first year:
N/A
For subsequent years:
N/A
3. Cost Savings:
For the first year:
N/A
For subsequent years:
N/A
(6) Provide a narrative to explain the following for each entity identified in (3)(a), (4)(a), and (5)(a)
(a) Fiscal impact of this administrative regulation:
KYTC costs will be $1.5 Million for first year and $1.2 Million for consecutive years is the full fiscal impact which will be funded by a combination of sources. No fiscal impact for County Clerks, District Clerks, and Circuit Clerks.
(b) Methodology and resources used to reach this conclusion:
Third party vendor quote and internal estimates provided the fiscal impact.
(7) Explain, as it relates to the entities identified in (3)(a), (4)(a), and (5)(a):
(a) Whether this administrative regulation will have a "major economic impact", as defined by KRS 13A.010(14):
Yes, for KYTC. No fiscal impact for County Clerks, District Clerks, and Circuit Clerks.
(b) The methodology and resources used to reach this conclusion:
Third party vendor quote and internal estimates provided the fiscal impact.