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

Ky. Rev. Stat. § 304.47-080 (2026)

Insurers to maintain investigative units

✓ current as of May 2026
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(1) Every insurer admitted to do business in the Commonwealth shall maintain effective procedures and resources to deter and investigate fraudulent insurance acts prohibited by this subtitle, including a unit that will investigate suspected fraudulent insurance acts. For the purpose of this section, "insurer" does not include reinsurers or reinsurance as defined in KRS 304.5-130.

(2) Insurers may maintain the unit required by subsection (1) of this section, using its employees or by contracting with others for that purpose.

(3) Insurers shall establish the unit required by this section no later than July 15, 1995.

(4) The unit may include the assignment of fraud investigation to employees whose principal responsibilities are the investigation and disposition of claims. If an insurer creates a distinct unit, hires additional employees, or contracts with another entity to fulfill the requirements of this article, the additional cost incurred shall be included as an administrative expense. Effective: July 14, 2000 History: Amended 2000 Ky. Acts ch. 253, sec. 9, effective July 14, 2000. -- Amended 1998 Ky. Acts ch. 129, sec. 1, effective July 15, 1998. -- Created 1994 Ky. Acts ch. 496, sec. 24, effective July 15, 1994.

Notes of Decisions
Cited in 2 cases (2 in the last 5 years), 2024–2025 · leading case: Dayelin Gonzalez Alvarez v. Allstate Prop. & Cas. Ins. Co. (Ky. Ct. App. 2024).
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Dayelin Gonzalez Alvarez v. Allstate Prop. & Cas. Ins. Co. (Ky. Ct. App. 2024). · cites it 2× “KRS 304.47-080. Allstate’s request here is proper and not an attempt to unduly harass or delay Ms.”
Allstate Prop. & Cas. Ins. Co. v. Gloria E. Companioni (Ky. Ct. App. 2025). “, KRS 304.47-080. Allstate also cited KRS 367.”
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