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Kentucky Insurance Bad Faith Questions & Answers
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 daughter was not... Read 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...
Read 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... Read 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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