KRS 304.39-117: Motor vehicle insurance card to be in paper or electronic format --

Presentation of electronic insurance card to peace officer. (Effective until

January 1, 2027)

(1) Each insurer issuing an insurance contract which provides security coverin g a

motor vehicle shall provide to the insured, in compliance with administrative

regulations promulgated by the department, written proof in the form of an

insurance card that the insured has in effect an insurance contract providing security

in conformity with this subtitle. An insurer may provide an insurance card in either

a paper or an electronic format.

(2) If an owner enters into an insurance contract on a newly acquired motor vehicle, or

changes insurance carriers on an existing motor vehicle, the o wner shall keep the

paper insurance card or a portable electronic device to download the insurance card

in his or her motor vehicle for forty -five (45) days from the date the coverage took

effect as prima facie evidence that the required security is currently in full force and

effect, and shall show the card to a peace officer upon request.

(3) As to personal motor vehicles as defined in KRS 304.39 -087, the paper or

electronic insurance card or the database created by KRS 304.39 -087 shall be

evidence to a p eace officer who requests the card if the peace officer has access to

the database through AVIS. If AVIS does not list the vehicle identification number

of the personal motor vehicle as an insured vehicle, the peace officer may accept a

paper or electronic insurance card as evidence that the required security is currently

in full force and effect on the personal motor vehicle if the card was effective no

more than forty -five (45) days before the date on which the peace officer requests

the card.

(4) For purposes of this section:

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

any portable electronic device, including a cellular phone or any other type of

portable electronic device, depicting a current valid representation of the card;

(b) Whenever a person presents a mobile electronic device pursuant to this

section, that person assumes all liability for any damage to the mobile

electronic device; and

(c) When a person provides evidence of financial responsibility using a mobile

electronic device to a peace officer, the peace officer shall only view the

electronic image of the insurance card and is prohibited from viewing any

other content on the mobile electronic device.

Effective: July 15, 2014