All Roll Calls
Yes: 606 • No: 48
KansasSB 422025–2026 Regular SessionSenateWALLET
Providing for the establishment of a web-based online insurance verification system for the verification of evidence of motor vehicle liability insurance, eliminating the requirement that the commissioner of insurance submit certain reports to the governor and requiring certain reports be available on the insurance department's website, removing certain entities from the definition of person for the purpose of enforcing insurance law, requiring that third party administrators maintain separate fiduciary accounts for individual payors and prohibiting the commingling of funds held on behalf of multiple payors, requiring the disclosure to the commissioner of insurance of any bankruptcy petition filed by or on behalf of such administrator pursuant to the United State bankruptcy code, requiring title agents to make their reports available for inspection upon request of the commissioner of insurance instead of submitting such reports annually, standardizing the amount of surety bonds filed with the commissioner of insurance at $100,000 and eliminating the small business exemption in certain counties.
Sponsored By: Committee on Financial Institutions and Insurance
Signed by Governor
house committee on insurancesenate committee on financial institutions and insurance
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Bill Overview
Analyzed Economic Effects
10 provisions identified: 6 benefits, 2 costs, 2 mixed.
Insurance applicants gain domestic abuse privacy
When you apply for life or accident and health insurance for yourself, insurers cannot ask about domestic abuse. This includes whether you are, have been, or may become subject to abuse. Insurers also cannot ask whether you seek or have sought covered abuse-related treatment, counseling, protection, or shelter.
Insurers must answer complaint inquiries promptly
Insurers must adequately answer Insurance Department inquiries about complaints or specific matters within 14 calendar days of receiving them. An inadequate or late response counts as an unfair or deceptive insurance practice. This deadline is for answering the department, not for paying a customer’s claim.
Kansas creates online car insurance checks
Kansas creates one statewide online system for checking car insurance, funded through the Insurance Department Regulation Service Fund. It must be fully operational by July 1, 2026, and can verify insurance proof for vehicle registration. Insurers must provide coverage information for Kansas vehicles; out-of-state registrations are excluded, and commercial coverage participation is voluntary. The commissioner may allow another method for insurers covering 1,000 or fewer Kansas vehicles. Qualifying planned maintenance and outages beyond an insurer’s control are protected from enforcement fees or other penalties.
Insurance administrators must separate client money
Insurance administrators holding money for payors must keep a separate fiduciary account for each payor. These accounts hold money entrusted to the administrator for that payor. Administrators cannot mix money belonging to different payors in one account.
Insurance extras can get longer testing
Insurers and insurance producers can request more time to test extra products or services offered with insurance. They must be unable to determine within the one-year testing period whether the offering meets legal standards. The commissioner may grant an extension for a specified period. Extra testing time does not guarantee approval or availability to customers.
Title companies face conflicted referral limits
Beginning January 1, 2026, title companies and agents face statewide limits on business tied to interested parties’ referrals. The restriction applies when at least 70% of closed title orders in the prior 12 full calendar months were controlled business. They cannot accept another transaction they know, or have reason to believe, is controlled business. They also cannot issue its policy or receive or keep its premium or charge. The restriction applies regardless of county population.
Insurance enforcement changes its entity list
The law removes third-party administrators, rating organizations, and insurance holding companies from an enforcement rule’s specific list of covered entities. A catchall still covers other legal entities under the insurance commissioner’s authority. Removal from the list therefore does not automatically exempt an entity from enforcement.
Insurers gain protection from compliance claims
Insurers are immune from civil and administrative liability for good-faith efforts to follow Kansas’s car insurance verification law. This limits legal claims against insurers for those efforts. The protection does not extend to bad-faith efforts.
Insurance checks carry limits and safeguards
Officials cannot use system information for enforcement until the system successfully completes at least nine months of testing. The system must be fully operational by July 1, 2026. Officers cannot use its insurance checks as the main reason to stop a vehicle. System information is confidential and exempt from public records requests. It also cannot be obtained through discovery or admitted as evidence in a private civil lawsuit.
Title agents face bonds, fewer filings
Beginning January 1, 2026, title agents handling escrow, settlement, or closing accounts must file a $100,000 bond or irrevocable letter of credit. This replaces county-based amounts of $100,000, $50,000, or $25,000. Agents must still obtain annual account audits but provide reports only when the commissioner requests them. This replaces filing within 30 days after year-end. Attorneys issuing policies as part of legal representation are exempt from audits, unless they work exclusively in title insurance.
Sponsors & Cosponsors
Sponsor
Committee on Financial Institutions and Insurance
Affiliation unavailable
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
Senate vote • 4/23/2026
Yea: 102 Nay: 20
Yes: 102 • No: 20
Senate vote • 4/23/2026
Yea: 38 Nay: 2
Yes: 38 • No: 2
Senate vote • 4/23/2026
Yea: 39 Nay: 1
Yes: 39 • No: 1
Senate vote • 4/23/2026
Yea: 124 Nay: 1
Yes: 124 • No: 1
Senate vote • 3/27/2025
Conference Committee Report was adopted
Yes: 39 • No: 1
House vote • 3/27/2025
Conference Committee Report was adopted
Yes: 124 • No: 1
House vote • 3/17/2025
Final Action - Passed as amended
Yes: 102 • No: 20
Senate vote • 2/19/2025
Emergency Final Action - Passed as amended
Yes: 38 • No: 2
Actions Timeline
Enrolled and presented to Governor on Friday, April 4, 2025
4/10/2025SenateApproved by Governor on Tuesday, April 8, 2025
4/8/2025SenateConference committee report now available
3/27/2025HouseConference Committee Report was adopted; Yea 124, Nay 1
3/27/2025HouseConference Committee Report was adopted; Yea 39, Nay 1
3/27/2025SenateMotion to accede adopted; Rep. Bill Sutton, Rep. Brian Bergkamp and Rep. Cindy Neighbor appointed as conferees
3/19/2025HouseNonconcurred with amendments; Conference Committee requested; appointed Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Marci Francisco
3/18/2025SenateFinal Action - Passed as amended; Yea 102, Nay 20, Absent 3
3/17/2025HouseCommittee of the Whole - Committee Report be adopted
3/14/2025HouseCommittee of the Whole - Be passed as amended
3/14/2025HouseCommittee Report recommending bill be passed as amended by House Committee on Insurance
3/7/2025HouseHearing: Monday, March 3, 2025, 3:30 PM — Room 218-N
3/3/2025HouseReceived and Introduced
2/25/2025HouseReferred to House Committee on Insurance
2/25/2025HouseCommittee of the Whole - Committee Report be adopted
2/19/2025SenateCommittee of the Whole - Motion to Amend - Offered by Sen. Brenda Dietrich
2/19/2025SenateCommittee of the Whole - Amendment by Sen. Brenda Dietrich was adopted
2/19/2025SenateCommittee of the Whole - Motion to Amend - Offered by Sen. Kenny Titus
2/19/2025SenateCommittee of the Whole - Amendment by Sen. Kenny Titus was adopted
2/19/2025SenateCommittee of the Whole - Be passed as further amended
2/19/2025SenateEmergency Final Action - Passed as amended; Yea 38, Nay 2
2/19/2025SenateCommittee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance
2/17/2025SenateHearing: Wednesday, February 12, 2025, 9:30 AM — Room 546-S
2/12/2025SenateHearing: Tuesday, February 11, 2025, 9:30 AM — Room 546-S
2/11/2025SenateReferred to Senate Committee on Financial Institutions and Insurance
1/22/2025Senate
Bill Text
As Amended by House Committee
As Amended by Senate Committee
As Introduced
Enrolled
{As Amended by Senate Committee of the Whole}
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