Ky. Rev. Stat. » Chapter 304
Kentucky Revised Statutes

Ky. Rev. Stat. § 304.12-010 (2026)

Unfair competition -- Unfair, deceptive practices prohibited

✓ current as of May 2026
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No person shall engage in this state in any practice which is prohibited in this subtitle, or which is defined therein as, or determined pursuant thereto to be, an unfair method of competition or any unfair or deceptive act or practice in the business of insurance. Effective: June 18, 1970 History: Created 1970 Ky. Acts ch. 301, subtit. 12, sec. 1, effective June 18, 1970.

Notes of Decisions
Cited in 18 cases (9 in the last 5 years), 1996–2025 · leading case: Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013).
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Helton ex rel. Warren C. Helton Irrevocable Trust v. Am. Gen. Life Ins., 946 F. Supp. 2d 695 (W.D. Ky. 2013). · cites it 19× “Count One alleges Rasche violated the Kentucky Consumer Protection Act; Count Two alleges Rasche violated KRS § 304.12-010 which provides that no person shall engage in Kentucky in any practice which is an unfair method of competition or any unfair or deceptive act or practice…”
Davidson v. Am. Freightways, Inc., 25 S.W.3d 94 (Ky. 2000). · cites it 4× “" The introductory section to that subtitle, KRS 304.12-010, provides as follows: No person shall engage in this state in any practice which is prohibited in this subtitle, or which is defined therein as, or determined pursuant thereto to be, an unfair method of competition or…”
Motorists Mut. Ins. Co. v. Glass, 996 S.W.2d 437 (Ky. 1999). · cites it 2× “KRS 304.12-010. As such, they must be applied consistently to effectuate the purposes of both statutes.”
Crutchfield ex rel. Crutchfield v. Transamerica Occidental Life Ins., 894 F. Supp. 2d 971 (W.D. Ky. 2012). · cites it 2× “Plaintiffs final claim alleges that Defendant violated KRS § 304.12-010 and KRS § 304.12-020 which prohibit deceptive practices within insurance businesses.”
Am. Gen. Life Ins. Co. v. Jude (E.D. Ky. 2021). · cites it 46× “Jude filed numerous counterclaims against American General, including, among others, claims for breach of contract, violation of the replacement life insurance statute (Ky. Rev. Stat. § 304.12-030), and violation of the unfair and deceptive practices statute (Ky.”
Winburn v. Liberty Mut. Ins., 933 F. Supp. 664 (E.D. Ky. 1996). “KRS 304.12-010. Having examined the statute upon which Liberty Mutual relies, the Court- is persuaded that no such additional requirement applies.”
Prewitt v. Gerber Life Ins. Co. (E.D. Ky. 2021). · cites it 6× “Private Cause of Action Finally, Defendant denies the existence of a private right of action under Kentucky’s KRS 446.”
Am. Gen. Life Ins. v. Est. of Chad Jude (6th Cir. 2020). · cites it 5× “12 :080, and therefore may violate Kentucky’s statute prohibiting unfair competition and unfair and deceptive practices, Ky. Rev. Stat. Ann. § 304.12-010 . First, the Judes do not contest the district court’s conclusion that Mr.”
Elkins v. Extreme Prods. Grp., LLC (E.D. Ky. 2021). · cites it 5× “” KRS § 304.12-010 (emphasis added); see State Farm Mut.”
Am. Gen. Life Ins. Co. v. Jude (E.D. Ky. 2021). · cites it 4× “Moreover, even assuming the standard in Wittmer does not apply to violations of KRS § 304.12-010, it is still clear that punitive damages are not recoverable in the instant action.”
Kenneth Alvin O'neil v. Dale Rae Hutchens Personally (Ky. Ct. App. 2021). · cites it 3× “12-235, and KRS 304.12-010. In particular, the Hutchens claimed: 1 Kentucky Planning Partners, LLC, is an insurance agency, and one of its two members is Kenneth Alvin O’Neil.”
Knoppe v. Lincoln Nat'l Life Ins. Co. (W.D. Ky. 2020). · cites it 2× “12–230, and unfair and deceptive practices under KRS § 304.12-010. [DE 1-2 at ⁋⁋ 43⎼59]. Knoppe alleges that Lincoln calculated improperly, and continues to calculate improperly, the monthly long-term disability benefits payable under the insurance policy to Knoppe and others…”
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— Ky. Rev. Stat. § 304.12-010(1) — 1 case
Am. Gen. Life Ins. Co. v. Jude (E.D. Ky. 2021). “Jude filed numerous counterclaims against American General, including, among others, claims for breach of contract, violation of the replacement life insurance statute (Ky. Rev. Stat. § 304.12-030), and violation of the unfair and deceptive practices statute (Ky.”
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