# KRS § 186A.042: 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) > Kentucky · Statutes · In force URL: https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.042 ## Section - **Citation:** KRS § 186A.042 - **Heading:** 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) - **Jurisdiction:** Kentucky - **Kind:** Statutes - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** KY Code / Title XVI / Chapter 186A / Section 186A.042 ## Text 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. ## Nearby sections - [KRS § 186A.005 186A.005 Definitions for chapter](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.005.md) - [KRS § 186A.010 186A.010 Automated motor vehicle and trailer registration and titling -- Transportation Cabinet to develop system](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.010.md) - [KRS § 186A.015 186A.015 Automated motorboat registration and titling -- Agencies to implement system](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.015.md) - [KRS § 186A.017 186A.017 Electronic title application and registration system -- Application by approved entity -- Contracts with third parties -- Fees -- Administrative regulations](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.017.md) - [KRS § 186A.020 186A.020 Cabinet authorized to promulgate administrative regulations and institute programs](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.020.md) - [KRS § 186A.025 186A.025 Responsibility and authority for administration and support of system](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.025.md) - [KRS § 186A.030 186A.030 Computation and collection of motor vehicle and trailer ad valorem taxes](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.030.md) - [KRS § 186A.035 186A.035 Motor vehicle registration by birth month of owner -- Alternative schedule for certain vehicles -- Joint tenancy with right of survivorship for motor vehicle jointly owned by married couple -- Clerk's fee -- Renewal of registration](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.035.md) - [KRS § 186A.040 186A.040 Accessible online insurance verification system -- Definitions -- Administrative regulations -- Technical advisory committee -- Notification of cancellation, nonrenewal of policy, or absence of vehicle identification number to insured -- Revocation of license -- Information not subject to Kentucky Open Records Act](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.040.md) - [KRS § 186A.042 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)](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.042.md) - [KRS § 186A.045 186A.045 Video telecommunication equipment in all counties](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.045.md) - [KRS § 186A.050 186A.050 Conditions and characteristics of certificate of title and computer generated forms](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.050.md) - [KRS § 186A.055 186A.055 System to withhold title until vehicle identification number compared](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.055.md) - [KRS § 186A.060 186A.060 Department of Vehicle Regulation to develop forms -- Reduction of paperwork required -- Identification numbers used -- False or erroneous information](https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.060.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_KY_TXVI_C186A_S186A.042. Check the current official text before relying on it. Not legal advice.