Auto Insurers Must Soon Submit Info to New Kentucky Insurance Verification System

Kentucky’s Transportation Cabinet and Department of Insurance have launched a new vehicle insurance verification system, and auto insurers have until Jan. 15 to start getting on board.

The new Kentucky Insurance Verification System, authorized by state lawmakers earlier this year, should allow state agencies to access auto insurance information in real time and should improve the process by which uninsured drivers are identified, the DOI said in a bulletin.

Insurance carriers that cover at least 1,000 registered vehicles must make their own insurance verification systems and books of business available next year. The new state system is now available for registration, testing and product integration.

The state is not requiring carriers to provide information on commercial vehicles, but it is highly recommended, the department said. Vehicle indentification numbers are not required to be reported for fleet policies. Insurers must use the secure file transfer protocol explained in the bulletin.

Key dates include:

• Jan. 15, 2026: The deadline for insurance companies to register on the IVS website (www.KentuckyIVS.com).
• July 1: Carriers must submit a test book-of-business file to the IVS system and should test web connectivity.
• Oct. 1: Insurers should move to full use of the new IVS system, make web services available, and begin book-of-business submissions.

The legacy Automobile Liability Insurance system will be discontinued after the new service is up and running.

The guidebook for the new requirements can be seen here.