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

Ky. Rev. Stat. § 304.12-220 (2026)

Definition

✓ current as of May 2026
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For the purpose of KRS 304.12-230, "person" shall not mean an insured. Effective: July 13, 1984 History: Created 1984 Ky. Acts ch. 171, sec. 1, effective July 13, 1984.

Notes of Decisions
Cited in 5 cases (1 in the last 5 years), 2000–2024 · leading case: Davidson v. Am. Freightways, Inc., 25 S.W.3d 94 (Ky. 2000).
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Davidson v. Am. Freightways, Inc., 25 S.W.3d 94 (Ky. 2000). · cites it 6× “00 deductible," presumably because KRS 304.12-220 specifically provides that the UCSPA does not apply to "an insured.”
Farmland Mut. Ins. Co. v. Johnson, 36 S.W.3d 368 (Ky. 2001). · cites it 2× “[27] The term "person" in KRS 304.12-220 specifically exempts an insured.”
Stinson v. State Farm Mut. Auto. Ins. Co. (W.D. Ky. 2019). · cites it 3× “The legislature limited this broad definition of “person” by passing KRS § 304.12-220 which states that “[f]or the purpose of [the UCSPA], ‘person’ shall not mean an insured.”
Wright v. State Farm Mut. Auto. Ins. Co. (W.D. Ky. 2019). · cites it 3× “The legislature limited this broad definition of “person” by passing KRS § 304.12-220 which states that “[f]or the purpose of [the UCSPA], ‘person’ shall not mean an insured.”
5419 New Cut Road, LLC v. Shelter Gen. Ins. Co. (W.D. Ky. 2024). · cites it 2× “American Freightways permit adjusters to be liable under Ky. Rev. Stat. § 304.12-220 and § 304.12-230.”
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