Yes.

Every property and casualty insurer authorized to write personal motor vehicle liability insurance in Kansas is required to participate.

The law allows:

• Alternative verification methods for insurers covering 1,000 or fewer Kansas vehicles.
• Voluntary participation by commercial vehicle insurers.

Commercial vehicle policies are generally excluded from the requirements of the Act.

Real-time verification significantly reduces opportunities for this type of fraud by documenting insurance status at the time verification is requested.

No. State law expressly prohibits using KSIVS as the primary reason for initiating a traffic stop.

No. Kansas law has long required drivers to maintain liability insurance. KSIVS provides a more accurate way to verify compliance with existing law.

Not entirely.

Motorists should continue carrying proof of insurance as it is still required by law.

The KSIVS serves as an additional verification tool for authorized users and complements existing methods of providing proof of insurance.

When insurance verification is requested—for example:

• During a traffic stop
• At the time of an accident investigation
• During vehicle registration or renewal
• By a court or other authorized agency

The system:

1. Receives the verification request.
2. Matches the VIN by communicating securely with the insurance company.
3. Confirms whether liability insurance is active at that moment.
4. Returns a verification response in real time.

Instead of relying on older monthly reports, authorized users receive current insurance information directly from the insurer.

No. Access is limited to authorized governmental users as provided by law.

Yes.

SB 42 requires the system to:

• Meet applicable data privacy protection laws.
• Protect information against unauthorized access.
• Keep insurance verification data confidential.

Information submitted to or generated by KSIVS:

• Is confidential by law.
• Is not subject to the Kansas Open Records Act.
• Is not available through private civil litigation.

Very little changes in daily operations. The improvement occurs behind the scenes.

Officers will continue to run a license plate or VIN the same way they do today.

Instead of relying on potentially outdated information, the system verifies insurance directly with the insurer in real time, giving officers more accurate information when insurance verification is required.

Real-time verification also helps identify fraud, including attempts to obtain insurance after a crash and falsely claim coverage existed beforehand.

For drivers who maintain insurance, very little changes.

Drivers are still required to maintain liability insurance as required by Kansas law.

KSIVS simply provides a more accurate method of verifying insurance when verification is needed.

Kansas law still allows proof of insurance to be presented:

• On paper
• Electronically
• On a mobile device
• Through the real-time verification system

The Kansas Insurance Verification System (KSIVS) is a secure, web-based system that verifies whether a vehicle has active liability insurance in real time.

The system was proposed by the Kansas Department of Insurance and authorized by Senate Bill 42 during the 2025 Legislative Session. The KSIVS modernizes how Kansas verifies motor vehicle insurance by connecting directly with insurance companies at the time a verification request is made.

The system became operational on July 1, 2026, following more than nine months of testing required by state law.

State law limits access to authorized users only.

Authorized users include:

• Kansas Department of Insurance
• Kansas Department of Revenue Division of Vehicles
• Law enforcement agencies
• Kansas courts
• Other entities specifically authorized under state or federal privacy laws

The system is not available to the general public.

The Kansas Insurance Department funds the implementation, maintenance, and future enhancements of KSIVS through the Insurance Department Regulation Service Fund.

There is no separate fee assessed to Kansas motorists to operate the system.

How was the system selected?

SB 42 authorized the Commissioner of Insurance to conduct a competitive procurement process.

Following that process, the Kansas Insurance Department selected MV Solutions, a national provider of real-time insurance verification systems operating in multiple states.

As of July 1, 2026 approximately 126,000 vehicles in Kansas are uninsured.

According to a Kansas Department of Insurance data call, insurers paid more than $51 million in uninsured motorist claims during calendar years 2021 and 2022.

Those costs are ultimately borne by law-abiding drivers through:

• Higher insurance premiums
• Uninsured motorist claims
• Out-of-pocket expenses after crashes

The KSIVS will help reduce the number of uninsured drivers, lowering the costs born by law-abiding motorists.

Kansas law requires every registered vehicle to maintain liability insurance.

Previously, insurance verification relied primarily on monthly insurance reports submitted by companies. Because that information could be weeks old, it did not always reflect a vehicle's current insurance status.

KSIVS provides:

• Real-time insurance verification
• More accurate insurance information
• Better enforcement of existing law
• Reduced opportunities for insurance fraud
• Improved protection for law-abiding motorists
• Tool for law enforcement

Insurance premiums depend on many factors. However, reducing the number of uninsured motorists can reduce uninsured motorist claims, which may help improve insurance costs over time.

No.

SB 42 specifically states that insurance verification through the KSIVS cannot be the primary reason for a traffic stop.