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Kentucky Insurance Bad Faith Questions & Answers
Q: A sober living house has been filing claims for people that are no longer there.

I want to know how legal it is. Also the entity receiving the claims has changed it's name multiple times and I want to know how legal that is as well. I already submitted it to the state with my evidence.

Timothy Denison
Timothy Denison
answered on Sep 29, 2023

All sounds sketchy. Smacks of fraud any likely illegal!

1 Answer | Asked in Car Accidents and Insurance Bad Faith for Kentucky on
Q: i was in car wreck over 5years ago the car i drove didnt have insurance the other car did can she sue me 5 years later

it was raining the hill was wet i barely side swipped vehicle and i flipped 3 times landing on my top i didnt know the car had no insurance it was a friends but it happened in july of 2018 its now aug of 2022 isnt there a time limit she had to sue me to begin with

Timothy Denison
Timothy Denison
answered on Aug 12, 2022

Depends. Generally, suit can be filed on an auto accident case in Kentucky within 2 years from the date of the accident or within 2 years of the last PIP payment, whichever is later. So, depending on the date of the last PIP payment to her for her injuries, she may or may not be able to bri g the... View More

1 Answer | Asked in DUI / DWI and Insurance Bad Faith for Kentucky on
Q: I sold my car and they never transfrerred the title and got a DUI. No tags or insurance on the car. Can i get in trouble

My mother had a vehicle that was in my name that I wanted back for my wife to drive so we traded my mother my wifes vehicle (in her name) to my mother for the vehicle that was in my name. My mother sells my wifes car to my wifes parents and her stepdad got a DUI in her vehicle. We tried to get them... View More

Timothy Denison
Timothy Denison
answered on Jun 10, 2021

Yes. DUI, no tags, no insurance convictions.

1 Answer | Asked in Insurance Bad Faith for Kentucky on
Q: I was rear ended in a mcdonald's drive thru. no injuries. minor damage to the vehicle that needs to be repaired.

I was rear ended in a mcdonald's drive thru. no injuries. minor damage to the vehicle that needs to be repaired. I just bought the vehicle and it was my first ever big purchase in life other than my home. i have insurance. the driver had insurance. the driver's mother is the policy owner... View More

Tim Akpinar
Tim Akpinar
answered on Jul 26, 2020

A Kentucky attorney could advise best, but your question remains open for three weeks. It's your decision, but if you do go that route, the judge could ask if there is insurance to cover the damages. Unfortunately, this type of situation is common when there are delays in providing carrier... View More

1 Answer | Asked in Consumer Law, Arbitration / Mediation Law and Insurance Bad Faith for Kentucky on
Q: can state Farm deny my renters insurance claim if it's the second one I've filed in 5 months? I am having problems with

the neighbors. I have reported them to the police and I did not keep this fact from the insurance. the first claim was a fire, they covered the loss. now it's braking and entering and the siu is hassling me.

Timothy Denison
Timothy Denison
answered on Sep 30, 2019

They should not deny your claim if it is a covered event, whether it has been five months or five years since the last claim.

1 Answer | Asked in Consumer Law and Insurance Bad Faith for Kentucky on
Q: can a life insurance co. that is bought out by another co. raise the rates when rates are never to go up?

When policy was bought the rates were never to go up. The original company was bought out and then that company was bought out. And each buy out the rates were increase. Is this ok for those insurance company's to do?

Timothy Denison
Timothy Denison
answered on Jun 19, 2018

To properly answer, one would need to see your policy of insurance, but the answer is likely no.

1 Answer | Asked in Traffic Tickets, Car Accidents, Insurance Bad Faith and Insurance Defense for Kentucky on
Q: Who's insurance is responsible when there is an accident? The driver or the owner of the car?

My daughters friend was driving my daughters car & caused an accident. She totaled her car & caused damage to the other car. My daughter went to file a claim but her insurance had lapsed due to non payment. She got a new bank card & forgot to report it to the insurance company. My... View More

Peter N. Munsing
Peter N. Munsing
answered on Mar 2, 2018

Generally as to the other vehicle, the policy covering the car is primary, driver of daughters car secondary.

Daughter needs to see if she got a notice of cancellation. If not, may be able to claim coverage--would have to speak with a member of the Ky Assn for Justice that handles bad faith...
View More

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Small Claims for Kentucky on
Q: Can I take a rental agency to small claims court?

I was in a wreck. Not my fault. Other parties insurance paid for my rental car. The rental company charged my credit card a fee for comprehensive insurance. I was told by other insurance that they would pay for it, n than they refused to pay for it. I have the recorded phone conversation from the... View More

Peter N. Munsing
Peter N. Munsing
answered on Oct 5, 2016

If it's not your fault and you were hurt, you have an injury case and may get medical benefits off of the insurance, so I'd check that out first before you sue the insurance.Talk to a member of the Kentucky Justice Association. They give free consultations.

1 Answer | Asked in Insurance Bad Faith for Kentucky on
Q: If someone agrees to allow a stranger take out a life insurance policy on them is that legal?
Richard J. Head
Richard J. Head
answered on Mar 1, 2014

Generally, a person taking out a life insurance policy must have an insurable interest. KRS 299.150

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