Kentucky Revised Statutes

Ky. Rev. Stat. § 304.20-030 (2026)

Retroactive annulment of liability policies prohibited

✓ current as of May 2026
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No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between the insurer and insured after the occurrence of any such injury, death, or damage for which the insured may be liable, and any such annulment attempted shall be void. Effective: June 18, 1970 History: Created 1970 Ky. Acts ch. 301, subtit. 20, sec. 3, effective June 18, 1970.

Notes of Decisions
Cited in 4 cases (1 in the last 5 years), 1986–2022 · leading case: Progressive N. Ins. Co. v. Corder, 15 S.W.3d 381 (Ky. 2000).
Progressive N. Ins. Co. v. Corder, 15 S.W.3d 381 (Ky. 2000). · cites it 4× “20-030 prohibits the retroactive annulment of a contract of liability insurance by agreement between the insurer and the insured. Here, the insured, Roy Stinnett, Jr.”
Nat'l Ins. Ass'n v. Peach, 926 S.W.2d 859 (Ky. Ct. App. 1996). “KRS 304.20-030, another relevant provision, provides as follows: No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively…”
State Farm Mut. Auto. Ins. Co. v. Crouch, 706 S.W.2d 203 (Ky. Ct. App. 1986). “14-110 regarding misrepresentations due to KRS 304.20-030 prohibiting retroactive annulment of an insurance contract after the occurrence of an injury.”
Cnty. Comm'n of Fayette Cnty., West Virginia v. Nat'l Grid NE Holdings 2 LLC, No. 2:21-cv-00307 (S.D.W. Va Aug. 1, 2022). “§ 431:10-227 ; Ky. Rev. Stat. § 304.20-030; La. Rev. Stat.”
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