FRANKFORT, Ky. - Legislation was filed on Wednesday that, if passed, would in most cases no longer require Kentucky drivers to carry proof of insurance.
House Bill 218 would instead allow law enforcement to check whether a driver has auto insurance by checking the Automated Vehicle Information System, or AVIS, through a computer in the officer’s patrol car.
With the advent of technology related to insurance, Kentucky officials believe it’s time to streamline the system and, after making the adjustments and upgrades, will allow law enforcement to confirm proof of insurance during traffic stops and accidents without the need for drivers to carry a piece of paper.
Much of what motorists do in their daily lives can be done by electronic means instead of paperwork, so with the passage of this bill, there could be a no nonsense way to utilize AVIS for confirming insurance coverage for Kentucky drivers.
HB 218 makes one exception for proof of insurance, which would require any Kentuckian who purchases a new or pre-owned car, or who change insurance carriers, to carry documented proof in their vehicle for the first 45 days of ownership.
This exception is needed to allow time for Kentucky’s AVIS system to be updated with the new information.
This new technology would also reduce the number of fraud cases in Kentucky that frequently occur when an individual purchases insurance on a vehicle, receives a proof of insurance card and then cancels the policy or allows it to lapse.