In processing any transfer proof of Commonwealth of Kentucky insurance is required. If you provide the Clerk’s Office an insurance card as proof of insurance, the card cannot have an Effective/Issue date older than 45 days from the date that it is presented. It is important to note that the effective date of the policy may be different than the effective date of the insurance card. For acceptance the Clerk’s Office is concerned with the date the card was issued, not the policy. This applies to Personal Policies only. Mandatory Insurance Law