Kentucky law

Insurance Disputes Laws in Kentucky.

Kentucky insurance disputes can involve denied claims, bad-faith refusal to pay, coverage fights, and regulatory complaints. Kentucky insurance regulation lives in chapter 304 of the Kentucky Revised Statutes and is enforced by the Kentucky Department of Insurance. Kentucky recognizes both a common-law bad-faith cause of action and statutory unfair claims-settlement practices under KRS 304.12-230.

Last verified: 2026-04-17

State law

Key Kentucky Statutes

Kentucky Insurance CodeKRS ch. 304

Chapter 304 governs insurance regulation in Kentucky, including required policy provisions, unfair claims practices, and Department of Insurance authority.

Unfair Claims Settlement Practices ActKRS § 304.12-230

Kentucky’s Unfair Claims Settlement Practices Act is the foundation of statutory bad-faith liability against insurers whose claims handling violates statutory standards.

State law

Official Sources

Kentucky Department of Insurance Kentucky Legislature — Revised Statutes

Not Legal Advice

This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Kentucky.

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Insurance Disputes Laws in Kentucky.

Key Kentucky Statutes

Official Sources

Not Legal Advice

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