# Kansas SB 42: 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. Kansas SB 42, 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., is a 2025–2026 Regular Session Senate bill sponsored by Committee on Financial Institutions and Insurance; status signed, last action 2025-04-10 (Enrolled and presented to Governor on Friday, April 4, 2025); PRIA reads it as touching household money (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/KS-SB42-2025-2026 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Kansas SB 42 - State: Kansas - Session: 2025–2026 Regular Session - Title: 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. - Status: signed - Chamber: Senate - Introduced: 2025-01-21 - Last action: 2025-04-10, Enrolled and presented to Governor on Friday, April 4, 2025 - Sponsor: Committee on Financial Institutions and Insurance - Cosponsors: 0 - Subjects: house committee on insurance, senate committee on financial institutions and insurance - Touches household money: yes - Roll calls: 8 (606 yes, 48 no in all) - Economic provisions PRIA read: 10 ## Summary No summary available. ## Bill overview: provisions PRIA read - Insurance applicants gain domestic abuse privacy: benefit, low. 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… - Insurers must answer complaint inquiries promptly: benefit, low. 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… - Kansas creates online car insurance checks: benefit, low. 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 vehicl… - Insurance administrators must separate client money: benefit, low. 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: benefit, low. 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 tes… - Title companies face conflicted referral limits: benefit, low. 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… - Insurance enforcement changes its entity list: cost, low. 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 automat… - Insurers gain protection from compliance claims: cost, low. 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: mixed, low. 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 an… - Title agents face bonds, fewer filings: mixed, low. 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 c… ## Sponsors and cosponsors - Sponsor: Committee on Financial Institutions and Insurance ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2026-04-23 | Senate | Yea: 102 Nay: 20 | pass | 102 | 20 | | | 2026-04-23 | Senate | Yea: 38 Nay: 2 | pass | 38 | 2 | | | 2026-04-23 | Senate | Yea: 39 Nay: 1 | pass | 39 | 1 | | | 2026-04-23 | Senate | Yea: 124 Nay: 1 | pass | 124 | 1 | | | 2025-03-27 | Senate | Conference Committee Report was adopted | pass | 39 | 1 | | | 2025-03-27 | House | Conference Committee Report was adopted | pass | 124 | 1 | | | 2025-03-17 | House | Final Action - Passed as amended | pass | 102 | 20 | | | 2025-02-19 | Senate | Emergency Final Action - Passed as amended | pass | 38 | 2 | | ## Actions (26) - 2025-04-10: Enrolled and presented to Governor on Friday, April 4, 2025 (Senate) - 2025-04-08: Approved by Governor on Tuesday, April 8, 2025 (Senate) - 2025-03-27: Conference committee report now available (House) - 2025-03-27: Conference Committee Report was adopted; Yea 124, Nay 1 (House) - 2025-03-27: Conference Committee Report was adopted; Yea 39, Nay 1 (Senate) - 2025-03-19: Motion to accede adopted; Rep. Bill Sutton, Rep. Brian Bergkamp and Rep. Cindy Neighbor appointed as conferees (House) - 2025-03-18: Nonconcurred with amendments; Conference Committee requested; appointed Sen. Brenda Dietrich, Sen. Michael Fagg and Sen. Marci Francisco (Senate) - 2025-03-17: Final Action - Passed as amended; Yea 102, Nay 20, Absent 3 (House) - 2025-03-14: Committee of the Whole - Committee Report be adopted (House) - 2025-03-14: Committee of the Whole - Be passed as amended (House) - 2025-03-07: Committee Report recommending bill be passed as amended by House Committee on Insurance (House) - 2025-03-03: Hearing: Monday, March 3, 2025, 3:30 PM — Room 218-N (House) - 2025-02-25: Received and Introduced (House) - 2025-02-25: Referred to House Committee on Insurance (House) - 2025-02-19: Committee of the Whole - Committee Report be adopted (Senate) - 2025-02-19: Committee of the Whole - Motion to Amend - Offered by Sen. Brenda Dietrich (Senate) - 2025-02-19: Committee of the Whole - Amendment by Sen. Brenda Dietrich was adopted (Senate) - 2025-02-19: Committee of the Whole - Motion to Amend - Offered by Sen. Kenny Titus (Senate) - 2025-02-19: Committee of the Whole - Amendment by Sen. Kenny Titus was adopted (Senate) - 2025-02-19: Committee of the Whole - Be passed as further amended (Senate) - 2025-02-19: Emergency Final Action - Passed as amended; Yea 38, Nay 2 (Senate) - 2025-02-17: Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance (Senate) - 2025-02-12: Hearing: Wednesday, February 12, 2025, 9:30 AM — Room 546-S (Senate) - 2025-02-11: Hearing: Tuesday, February 11, 2025, 9:30 AM — Room 546-S (Senate) - 2025-01-22: Referred to Senate Committee on Financial Institutions and Insurance (Senate) - 2025-01-21: Introduced (Senate) ## Bill text - As Amended by House Committee: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_03_0000.pdf) - As Amended by Senate Committee: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_01_0000.pdf) - As Introduced: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_00_0000.pdf) - Enrolled: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_enrolled.pdf) - {As Amended by Senate Committee of the Whole}: [PDF](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_02_0000.pdf) ## Related bills - SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and reconciling multiple amendments to certain statutes in the Kansas criminal code. (signed) - SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage and the retail sale of higher ethanol blends of fuel, discontinuing the tax cred… (signed) - SB 300: Providing for the apportionment of business income by manufacturers of alcoholic liquor depending on whether the taxpayer is a qualifying Kansas investor or a… (signed) - HB 2029: Reconciling multiple amendments to certain statutes. (signed) - HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creating the crime of interference with the conduct of a religious assembly, providin… (became law) - HB 2036: Providing a Kansas income tax subtraction modification for certain amounts received as compensation for members of the armed forces. (failed) ## Sources - [As Amended by House Committee (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_03_0000.pdf) - [As Amended by Senate Committee (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_01_0000.pdf) - [As Introduced (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_00_0000.pdf) - [Enrolled (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_enrolled.pdf) - [{As Amended by Senate Committee of the Whole} (PDF)](https://www.kslegislature.gov/b2025_26/bills/download/?apn=b2025_26/year2/ready_for_publication/sb_42/sb42_02_0000.pdf) ## Related - [SB 430: Adding mitragynine to schedule I of the uniform controlled substances act and r…](https://policyrisk.com/state-bill/KS-SB430-2025-2026) - [SB 82: Providing tax credits for expenditures for lockable gun and ammunition storage…](https://policyrisk.com/state-bill/KS-SB82-2025-2026) - [SB 300: Providing for the apportionment of business income by manufacturers of alcoholi…](https://policyrisk.com/state-bill/KS-SB300-2025-2026) - [HB 2029: Reconciling multiple amendments to certain statutes.](https://policyrisk.com/state-bill/KS-HB2029-2025-2026) - [HB 2018: Senate Substitute for HB 2018 by Committee on Federal and State Affairs - Creat…](https://policyrisk.com/state-bill/KS-HB2018-2025-2026) - [HB 2036: Providing a Kansas income tax subtraction modification for certain amounts rece…](https://policyrisk.com/state-bill/KS-HB2036-2025-2026) - [Kansas bills](https://policyrisk.com/states/kansas/bills) - [Kansas state hub](https://policyrisk.com/states/kansas) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/KS-SB42-2025-2026 (as of 2026-10-17).