186A.042 Prohibition against licensing of personal motor vehicle without listing of vehicle identification number as insured vehicle -- Exceptions -- Submission of paper or electronic proof of insurance card to county clerk. (Effective January 1, 2027)

186A.042 Prohibition against licensing of personal motor vehicle without listing of

vehicle identification number as insured vehicle -- Exceptions -- Submission of

paper or electronic proof of insurance card to county clerk. (Effective

January 1, 2027)

(1) As used in this section, the following have the same meaning as in KRS 186A.040:

(a) "Accessible online insurance verification system"; and

(b) "Personal motor vehicle."

(2) A county clerk shall not process an application for, nor issue, a:

(a) Kentucky title and registration or renewal of registration;

(b) Replacement plate, decal, or registration certificate;

(c) Duplicate registration;

(d) Transfer of registration; or

(e) Temporary tag;

for any personal motor vehicle if the accessible online insurance verification system

does not list the vehicle identification number of the personal motor vehicle as an

insured vehicle, except as provided in subsection (3) of this section.

(3) If the accessible online insurance verification system does not list the vehicle

identification number of the personal motor vehicle as an insured vehicle, the

county clerk may process the application if:

(a) The applicant has an insurance card in either a paper or an electronic format

that indicates the required security is currently in full force and effect on the

personal motor vehicle if the paper or electronic proof of insurance card was

effective no more than seven (7) days before the application is submitted to

the county clerk; or

(b) The owner of the motor vehicle:

1. Is serving in the Armed Forces outside of Kentucky; and

2. Provides an affidavit by the provost marshal of the base where the

owner is stationed stating that the motor vehicle is covered by security

as required by Subtitle 39 of KRS Chapter 304.

(4) This section shall not apply to any transactions involving Kentucky motor vehicle

dealers who are licensed as required by KRS 190.030.

(5) For purposes of this section:

(a) An insurance card in an electronic format means the display of an image

subject to immediate download or transmission from the applicant's insurer or

insurance agent to the applicant on an electronic device, including a cellular

phone or any other type of portable electronic device, but shall not include a

photographic copy of a paper insurance card on a portable electronic device;

and

(b) The county clerk may require the applicant to email the electronic insurance

card to the clerk, and the clerk may print a copy of the card for the clerk's

records.