Kentucky Revised Statutes

Ky. Rev. Stat. § 187.290 (2026)

Definitions for chapter

✓ current as of May 2026

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As used in this chapter, unless the context requires otherwise: (1) "Cabinet" means the Transportation Cabinet; (2) "Highways" means every way or place of whatever nature when any part of it is open to the use of the public, as a matter of right, license, or privilege, for purpose of vehicular traffic; (3) "Judgment" means any judgment which has become final by expiration without appeal of the time within which an appeal might have been perfected, or by final affirmation on appeal, rendered by a court of competent jurisdiction of any state or of the United States, upon a cause of action arising out of the ownership, maintenance or use of any motor vehicle, for damages, including damages for care and loss of services, because of bodily injury to or death of any person, or for damages because of injury to or destruction of property, including the loss of use thereof, or upon a cause of action on an agreement of settlement for such damages; (4) "Motor vehicle" means every self-propelled vehicle which is designed for use upon a highway, including trailers designed for use with such vehicles (except traction engines, road rollers, farm tractors, tractor cranes, power shovels, mopeds, and well drillers) and every vehicle which is propelled by electric power obtained from overhead wires but not operated upon rails; (5) "Moped" means either a motorized bicycle whose frame design may include one (1) or more horizontal crossbars supporting a fuel tank so long as it also has pedals, or a motorized bicycle with a step-through type frame which may or may not have pedals rated no more than two (2) brake horsepower, a cylinder capacity not exceeding fifty (50) cubic centimeters, an automatic transmission not requiring clutching or shifting by the operator after the drive system is engaged, and capable of a maximum speed of not more than thirty (30) miles per hour; (6) "License" means any operator's license, temporary instruction permit, or temporary license issued under the laws of this state pertaining to the licensing of operators; (7) "Nonresident" means every person who is not a resident of this state; (8) "Nonresident's operating privilege" means the privilege conferred upon a nonresident by the laws of this state pertaining to the operation by him of a motor vehicle, or the use of a motor vehicle owned by him, in this state; (9) "Operator" means every person who is in actual physical control of a motor vehicle; (10) "Owner" means a person who holds the legal title of a motor vehicle, or in the event a motor vehicle is the subject of an agreement for the conditional sale or lease thereof with the right of purchase upon performance of the conditions stated in the agreement and with an immediate right of possession vested in the conditional vendee or lessee or in the event a mortgagor of a vehicle is entitled to possession, then such conditional vendee or lessee or mortgagor shall be deemed the owner for the purposes of this chapter; (11) "Proof of financial responsibility" means proof of ability to respond in damages for liability, on account of accidents occurring subsequent to the effective date of said proof, arising out of the ownership, maintenance or use of a motor vehicle in amounts meeting the requirements of KRS 304.39-110; (12) "Registration" means registration certificates and registration plates issued under the laws of this state pertaining to the registration of motor vehicles; and (13) "State" means any state, territory or possession of the United States, the District of Columbia, or any province of the Dominion of Canada. Effective: June 29, 2017 History: Amended 2017 Ky. Acts ch. 157, sec. 2, effective June 29, 2017. -- Amended 2005 Ky. Acts ch. 140, sec. 1, effective June 20, 2005. -- Amended 1982 Ky. Acts ch. 194, sec. 3, effective July 15, 1982. -- Amended 1978 Ky. Acts ch. 349, sec. 6, effective June 17, 1978. -- Amended 1974 Ky. Acts ch. 74, Art. IV, sec. 20(7). -- Amended 1966 Ky. Acts ch. 255, sec. 173. -- Amended 1950 Ky. Acts ch. 190, sec. 7. -- Created 1946 Ky. Acts ch. 118, sec. 1, effective January 1, 1947.

Notes of Decisions

Cited in 20 cases, 1949–2008 · leading case: Tharp v. Sec. Ins. Co. of New Haven, 405 S.W.2d 760 (Ky. Ct. App. 1966).

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Tharp v. Sec. Ins. Co. of New Haven, 405 S.W.2d 760 (Ky. Ct. App. 1966). · cites it 6× “490(6) (d) states, “The policy, the written application therefor, if any, and any rider or endorsement which does not conflict with the provisions of KRS 187.290 to 187.620 shall constitute the entire contract between the parties.”

State Farm Mut. Auto. Ins. Co. v. Marley, 151 S.W.3d 33 (Ky. 2004). · cites it 2× “See KRS 187.290(4) and Kentucky Farm Bureau Mut.”

Mitchell v. Allstate Ins. Co., 244 S.W.3d 59 (Ky. 2008). · cites it 2× “Before the MVRA, Kentucky had motorists' financial responsibility laws codified in former KRS 187.290, et. seq., which was *67 enacted in 1946 and mostly repealed in 1975.”

Progressive N. Ins. Co. v. Corder, 15 S.W.3d 381 (Ky. 2000). · cites it 2× “620 shall become absolute whenever injury or damage covered by said motor vehicle liability policy occurs; said policy may not be cancelled or annulled as to such liability by any agreement between the insurance carrier and the insured after the occurrence of the injury or…”

McGrew v. Stone, 998 S.W.2d 5 (Ky. 1999). · cites it 2× “KRS 187.290, et seq. (the "Financial Responsibility Law"), enacted 1946 Ky.”

Dupin v. Adkins, 17 S.W.3d 538 (Ky. Ct. App. 2000). · cites it 2× “KRS 187.290(4), included in the chapter dealing with the financial responsibility law, specifically excepts farm tractors from the definition of “motor vehicle.”

Allen v. West Am. Ins. Co., 467 S.W.2d 123 (Ky. Ct. App. 1971). · cites it 2× “See KRS 187.290(10) as presently compiled. That interpretation of the statute was proper.”

Commonwealth, Dep't of Pub. Saf. v. Robinson, 435 S.W.2d 447 (Ky. Ct. App. 1968). · cites it 3× “490(1), shall, for the purpose of KRS 187.290 to 187.620, be deemed satisfied when payments in the amount so specified have been credited thereon.”

Reeves, Com'r of Revenue v. Wright Taylor, 220 S.W.2d 1007 (Ky. Ct. App. 1949). “Chapter 118 of the Acts of 1946, now sections 187.290 to 187.630, inclusive, of the Kentucky Revised Statutes.”

State Auto. Mut. Ins. Co. v. Sinclair, 96 F. Supp. 267 (W.D. Ky. 1950). · cites it 4× “The 1946 Financial Responsibility Act— KRS 187.290 to 187.620 has not 'been construed by the Kentucky Court of Appeals.”

Allen v. Canal Ins. Co., Greenville, Sc, 433 S.W.2d 352 (Ky. Ct. App. 1968). “2d 760 , under the provisions of KRS 187.290 etc., the Financial Responsibility Law, that the liability of the company under the policy could not be avoided under narrow technical definitions because the purpose of the law is fundamentally to provide compensation for innocent…”

Dep't of Revenue ex rel. Carpenter v. Pullman, Inc., 560 S.W.2d 18 (Ky. Ct. App. 1977). · cites it 2× “010(7)(a) and (b); KRS 187.290(4); KRS 189.010(12) and KRS 281.”

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— Ky. Rev. Stat. § 187.290(10) — 2 cases

Allen v. West Am. Ins. Co., 467 S.W.2d 123 (Ky. Ct. App. 1971). “See KRS 187.290(10) as presently compiled. That interpretation of the statute was proper.”

Bryan ex rel. Bryan v. Bear, 560 S.W.2d 827 (Ky. Ct. App. 1977).

— Ky. Rev. Stat. § 187.290(11) — 3 cases

Allen v. West Am. Ins. Co., 467 S.W.2d 123 (Ky. Ct. App. 1971). “See KRS 187.290(10) as presently compiled. That interpretation of the statute was proper.”

Commonwealth, Dep't of Pub. Saf. v. Robinson, 435 S.W.2d 447 (Ky. Ct. App. 1968). “490(1), shall, for the purpose of KRS 187.290 to 187.620, be deemed satisfied when payments in the amount so specified have been credited thereon.”

Kentucky Farm Bureau Mut. Ins. Co. v. Miles, 267 S.W.2d 928 (Ky. Ct. App. 1954).

— Ky. Rev. Stat. § 187.290(3) — 1 case

— Ky. Rev. Stat. § 187.290(4) — 5 cases

State Farm Mut. Auto. Ins. Co. v. Marley, 151 S.W.3d 33 (Ky. 2004). “See KRS 187.290(4) and Kentucky Farm Bureau Mut.”

Dupin v. Adkins, 17 S.W.3d 538 (Ky. Ct. App. 2000). “KRS 187.290(4), included in the chapter dealing with the financial responsibility law, specifically excepts farm tractors from the definition of “motor vehicle.”

Dep't of Revenue ex rel. Carpenter v. Pullman, Inc., 560 S.W.2d 18 (Ky. Ct. App. 1977). “010(7)(a) and (b); KRS 187.290(4); KRS 189.010(12) and KRS 281.”

Adams v. Commonwealth, 275 S.W.3d 209 (Ky. Ct. App. 2008).

Kentucky Farm Bureau Mut. Ins. Co. v. Vanover, 506 S.W.2d 517 (Ky. Ct. App. 1974).

— Ky. Rev. Stat. § 187.290(8) — 1 case

Tharp v. Sec. Ins. Co. of New Haven, 405 S.W.2d 760 (Ky. Ct. App. 1966). “490(6) (d) states, “The policy, the written application therefor, if any, and any rider or endorsement which does not conflict with the provisions of KRS 187.290 to 187.620 shall constitute the entire contract between the parties.”

— Ky. Rev. Stat. § 187.290(9) — 1 case

Hicks v. Kentucky Farm Bureau Mut. Ins. Co., 455 S.W.2d 52 (Ky. Ct. App. 1970).

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