---
type: "Bill"
title: "AN ACT relating to motor vehicle insurance."
description: "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."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2025RS"
identifier: "HB 390"
citation: "Kentucky HB 390 (2025RS)"
classification: ["bill"]
subjects: ["Administrative Regulations and Proceedings", "Advisory Boards", "Commissions", "and Committees", "Circuit Clerks", "County Clerks", "Fees", "Insurance", "Motor Vehicle", "Local Mandate", "Motor Vehicles", "State Agencies", "Transportation"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 24
vote_count: 3
first_action: "2025-02-06T05:00:00+00:00"
last_action: "2025-03-19T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/5377813f-07cc-4702-8798-240908c0fce9"
source_url: "https://apps.legislature.ky.gov/record/25RS/hb390.html"
source_hash: "9d1525b384b436dbdb971100d3c18dfbfc2a0784cb44f270179166df5ccb882d"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ky"]
---

# Kentucky HB 390 (2025RS) — 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.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Introduced** (filed) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb390/orig_bill.pdf)
2. **Acts Chapter 39** (committee substitute) — [source](https://apps.legislature.ky.gov/law/acts/25RS/documents/0039.pdf)
3. **Current/Final** (committee substitute) — [source](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/hb390/bill.pdf)

## Votes

- Pass — **95–0** (pass) · lower
- PASS HB 390 W/ sfa1 — **37–0** (pass) · lower
- Final Passage — **96–0** (pass) · lower

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-06T05:00:00+00:00** introduced in House `introduction`
- **2025-02-06T05:00:00+00:00** to Committee on Committees (H) `referral-committee`
- **2025-02-12T05:00:00+00:00** to Banking & Insurance (H) `referral-committee`
- **2025-02-19T05:00:00+00:00** reported favorably, 1st reading, to Calendar `committee-passage`
- **2025-02-20T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2025-02-20T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Friday, February 21, 2025
- **2025-02-25T05:00:00+00:00** 3rd reading, passed 95-0 `passage, reading-3`
- **2025-02-26T05:00:00+00:00** received in Senate
- **2025-02-26T05:00:00+00:00** to Committee on Committees (S) `referral-committee`
- **2025-02-28T05:00:00+00:00** to Banking & Insurance (S) `referral-committee`
- **2025-03-04T05:00:00+00:00** reported favorably, 1st reading, to Calendar `committee-passage`
- **2025-03-05T05:00:00+00:00** 2nd reading, to Rules `reading-2`
- **2025-03-06T05:00:00+00:00** floor amendment (1) filed `amendment-introduction`
- **2025-03-07T05:00:00+00:00** posted for passage in the Regular Orders of the Day for Tuesday, March 11, 2025
- **2025-03-11T04:00:00+00:00** 3rd reading, passed 37-0 with Floor Amendment (1) `passage, reading-3`
- **2025-03-11T04:00:00+00:00** received in House
- **2025-03-11T04:00:00+00:00** to Rules (H) `referral-committee`
- **2025-03-12T04:00:00+00:00** posted for passage for concurrence in Senate Floor Amendment (1)
- **2025-03-13T04:00:00+00:00** House concurred in Senate Floor Amendment (1)
- **2025-03-13T04:00:00+00:00** passed 96-0 `passage`
- **2025-03-13T04:00:00+00:00** enrolled, signed by Speaker of the House `passage`
- **2025-03-13T04:00:00+00:00** enrolled, signed by President of the Senate `passage`
- **2025-03-13T04:00:00+00:00** delivered to Governor
- **2025-03-19T04:00:00+00:00** signed by Governor (Acts Ch. 39) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5377813f-07cc-4702-8798-240908c0fce9`. Confidence: reported (aggregated from official Kentucky legislature records).