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

Ky. Rev. Stat. § 304.14-370 (2026)

Jurisdiction of courts, limitation of actions

✓ current as of May 2026
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No conditions, stipulations or agreements in a contract of insurance shall deprive the courts of this state of jurisdiction of actions against foreign insurers, or limit the time for commencing actions against such insurers to a period of less than one (1) year from the time when the cause of action accrues. Effective: June 18, 1970 History: Created 1970 Ky. Acts ch. 301, subtit. 14, sec. 37, effective June 18, 1970.

Notes of Decisions
Cited in 16 cases (7 in the last 5 years), 1978–2025 · leading case: Price v. Agrilogic Ins. Servs., LLC, 37 F. Supp. 3d 885 (E.D. Ky. 2014).
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Price v. Agrilogic Ins. Servs., LLC, 37 F. Supp. 3d 885 (E.D. Ky. 2014). · cites it 52× “As to Price’s bad faith claim, the Court concludes that Price *892 has failed to identify any genuine issues of material fact to preclude summary judgment, nor has he put forth anything to convince the Court that further discovery could rectify this issue.”
Willowbrook Invs., LLC v. Md. Cas. Co., 325 F. Supp. 3d 813 (W.D. Ky. 2018). · cites it 21× “) Defendants have filed a motion for judgment on the pleadings, arguing that Willowbrook's contract claim is untimely because it was not brought within two years of the date of the physical loss as required by the policy.”
Daugherty v. Chubb Grp. of Ins. Companies, 823 F. Supp. 2d 656 (W.D. Ky. 2011). · cites it 20× “KRS § 304.14-370 does not mandate remand to the Circuit Court of Hardin County, Kentucky.”
Webb v. Kentucky Farm Bureau Ins. Co., 577 S.W.2d 17 (Ky. Ct. App. 1978). “The Court concluded that, because of the conflict, these limitation clauses were amended by the modification of terms provision so as to conform with the Nebraska statute of limitations for actions on insurance contracts. In Kentucky, there is no statute proscribing contractual…”
Hale v. Blue Cross & Blue Shield of Kentucky, Inc., 862 S.W.2d 905 (Ky. Ct. App. 1993). “We noted that KRS 304.14-370 allowed foreign insurers to limit actions against them to one year.”
Creative Packaging Co. v. Secura Ins. (E.D. Ky. 2022). · cites it 12× “The question before the Court is whether the terms of KRS § 304.14-370 permit Creative Packaging to bring a breach of contract claim in this matter.”
Austin v. State Farm Fire & Cas. Co. (W.D. Ky. 2024). · cites it 9× “Austin offers four arguments in response: (1) the limitation provision in the contract violates KRS 304.14-370; (2) the limitation provision in the contract is unreasonable; (3) the doctrines of unclean hands, equitable estoppel, and/or equitable tolling extend the limitations…”
Smith v. Allstate Ins Co (6th Cir. 2005). · cites it 12× “At a hearing on Allstate’s summary judgment motion, the district court wrote, the Smiths “explained the basis for their bad faith claim” in terms of its having been “impossible to comply with the policy provisions within the one-year limitations period for filing suit.”
Adams v. State Farm Fire & Cas. Co. (W.D. Ky. 2020). · cites it 5× “Adams’ Response Addressing State Farm’s argument that the Court should impose the contractual limitation period rather than the statutory limitation, Adams notes that KRS 304.14-370 allows a contractual limitation in a policy of insurance to be not less than one year.”
Hill v. State Farm Mut. Auto. Ins., 939 F. Supp. 2d 754 (E.D. Ky. 2013). · cites it 2× “1978); see also KRS § 304.14-370 (allowing insurance companies to create their own contractual limitations period so long as it is not “less than one .”
Dimitt v. State Farm Fire & Cas. (E.D. Ky. 2023). · cites it 4× “This time limit does not satisfy KRS § 304.14-370’s one-year timeframe. Accordingly, Defendant is not entitled to judgment as matter of law as to Plaintiffs’ bad faith claim.”
Fugate v. State Auto Prop. & Cas. Ins. Co. (W.D. Ky. 2022). · cites it 3× “that a cause of action does not accrue until the plaintiff has the right to institute and maintain a suit.”
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