A Kentucky agent executes a first insurance application for an insurer before the commissioner has approved the appointment. For how many days from that date may the agent act for the insurer under KRS 304.9-270(4)(a)?KRS 304.9-270(4)
A Kentucky agent is licensed for the property and casualty line. Apart from the exceptions it names, what else does KRS 304.9-080(4) require before the agent places insurance with an insurer?KRS 304.9-080(4)
A Kentucky agent moves the agency to a new address. Within how many days of the change must the agent inform the commissioner in writing under KRS 304.9-200(2)?KRS 304.9-200(2)
A Kentucky agent shows financial responsibility with an insurer's certificate of a policy covering erroneous acts. Under KRS 304.9-105(1)(f)1., what is the least sum for any single occurrence?KRS 304.9-105(1)(f)
A Kentucky insured rescinds a public adjuster contract entered into on or after July 15, 2026. Within how many business days after receiving the rescission notice must the adjuster return anything of value under KRS 304.9-433(9)?KRS 304.9-433(9)
Show all 163 questions (158 more)
Agents, adjusters and penalties, continued
A Kentucky public adjuster contract is entered into on or after July 15, 2026 because of events under a declared state of emergency. Within how many days after it is executed may the insured rescind it under KRS 304.9-433(8)(a)2.?KRS 304.9-433(8)(a)
A Kentucky public adjuster contract is entered into on or after July 15, 2026, outside a declared state of emergency. Within how many business days after the physical copy is provided may the insured rescind it under KRS 304.9-433(8)(a)1.?KRS 304.9-433(8)(a)
A Kentucky public adjuster license was in effect on April 13, 2026. What does KRS 304.9-430(1)(d) say happens to it?KRS 304.9-430(1)(d)
A Kentucky public adjuster's bond may not be terminated under KRS 304.9-430(3)(a) unless written notice is given to the licensee at least how many days before?KRS 304.9-430(3)(a)
A Kentucky public adjuster's evidence of financial responsibility terminates or becomes impaired. What happens to the license under KRS 304.9-430(3)(c)?KRS 304.9-430(3)(c)
An individual Kentucky agent was born in an odd-numbered year. By when is the license renewal request due under KRS 304.9-260(1)(g)2.?KRS 304.9-260(1)(g)
An insurer writes directly to a Kentucky insured who has a public adjuster. What does KRS 304.9-4331(3)(c) require?KRS 304.9-4331(3)
An insurer's employee in Kentucky investigates suspected fraudulent claims but does not adjust losses or determine claim payments. Under KRS 304.9-430(8), what license does the employee need?KRS 304.9-430(8)
Another state takes administrative action against a Kentucky agent. Within how many days of the final disposition must the agent report it to the commissioner under KRS 304.9-467(2)?KRS 304.9-467(2)
As KRS 304.9-020 defines the word for Kentucky agent licensing, what does it mean to "solicit" insurance?KRS 304.9-020
Before a Kentucky public adjuster may provide services to an insured, what does KRS 304.9-433(1)(a) require besides the end of the rescission period?KRS 304.9-433(1)(a)
Does an electronic copy satisfy a requirement to give the insured a physical copy of a Kentucky public adjuster contract, under KRS 304.9-433(10)?KRS 304.9-433(10)
For how long at most may a temporary license as an apprentice adjuster be issued in Kentucky under KRS 304.9-432(1)?KRS 304.9-432(1)
For how long at most may the Kentucky commissioner suspend an agent license or impose conditions on its continuance under KRS 304.9-440(1)?KRS 304.9-440(1)
For how many years after a transaction is completed must a Kentucky agent keep its records available for inspection by the commissioner under KRS 304.9-390(3)(a)?KRS 304.9-390(3)(a)
For how many years after a transaction with an insured ends must a Kentucky public adjuster keep its records under KRS 304.9-435(3)?KRS 304.9-435(3)
For two years beginning on April 13, 2026, what does KRS 304.9-430(1)(b) bar the Kentucky Department of Insurance from doing?KRS 304.9-430(1)(b)
For two years beginning on July 15, 2026, what may a Kentucky public adjuster not do under KRS 304.9-4331(7)?KRS 304.9-4331(7)
How many hours of continuing education must a Kentucky agent complete in each biennium under KRS 304.9-295(4)?KRS 304.9-295(4)
How many hours of prelicensing study does KRS 304.9-105(1)(e) require of an applicant for a Kentucky agent license with the property and casualty line of authority?KRS 304.9-105(1)(e)
How many temporary licenses as an apprentice adjuster may one individual hold in Kentucky under KRS 304.9-432(2)(d)?KRS 304.9-432(2)(d)
How may a Kentucky apprentice adjuster be compensated under KRS 304.9-432(4)(c)?KRS 304.9-432(4)(c)
How old must an individual be for a resident independent, staff or public adjuster license in Kentucky under KRS 304.9-430(2)(c)?KRS 304.9-430(2)(c)
The insurer commits in writing to pay the policy limit before a Kentucky public adjuster contract is executed, and the adjuster is entitled to emergency compensation. What does KRS 304.9-4333(3) bar?KRS 304.9-4333(3)
Of the continuing education hours a Kentucky agent completes in a biennium, how many must have a course concentration in ethics under KRS 304.9-295(4)?KRS 304.9-295(4)
Under KRS 304.9-080(1), what may no individual do in Kentucky without a license as the appropriate insurance producer for the line of authority?KRS 304.9-080(1)
Under the general penalty of KRS 304.99-010, a person convicted of violating the Kentucky insurance code is fined not less than what amount, or twice the gain from the violation if that is greater?KRS 304.99-010
What is the highest civil penalty per violation the Kentucky commissioner may impose on an adjuster or consultant under KRS 304.99-020(1)(c)?KRS 304.99-020(1)(c)
What is the highest civil penalty per violation the Kentucky commissioner may impose on an agent under KRS 304.99-020(1)(b)?KRS 304.99-020(1)(b)
What is the highest percentage fee a Kentucky public adjuster may charge on the settlement proceeds a fee may be based on, under KRS 304.9-4333(2)(b)?KRS 304.9-4333(2)(b)
What is the minimum amount of the surety bond or irrevocable letter of credit a Kentucky public adjuster must maintain under KRS 304.9-430(3)(a)?KRS 304.9-430(3)(a)
What title must a contract between a Kentucky public adjuster and an insured carry under KRS 304.9-433(2)(d)?KRS 304.9-433(2)(d)
When is a Kentucky insurer liable for the acts of its agents and adjusters under KRS 304.9-035(1)?KRS 304.9-035(1)
When may a Kentucky public adjuster collect a fee charged to an insured, under KRS 304.9-4333(1)(b)?KRS 304.9-4333(1)
Where must the licenses of a Kentucky agent be displayed under KRS 304.9-390(2)?KRS 304.9-390(2)
Which is a cause for which the Kentucky commissioner may revoke an agent license under KRS 304.9-440(1)(f)?KRS 304.9-440(1)(f)
Which line of authority may a Kentucky independent or staff adjuster hold under KRS 304.9-430(7) that is not among the lines listed for a public adjuster in subsection (9)?KRS 304.9-430(7)
Which of these may a Kentucky public adjuster not do under KRS 304.9-4331(6)(a)?KRS 304.9-4331(6)
Which person needs no Kentucky independent adjuster license under KRS 304.9-430(10)?KRS 304.9-430(10)
Who makes the final determination of a claim that a Kentucky apprentice adjuster has investigated, under KRS 304.9-432(4)(b)?KRS 304.9-432(4)(b)
Claim payment, fraud and trade practices 24
A Kentucky insurer delays settling a claim past the statutory time without reasonable foundation. What may the insured recover under KRS 304.12-235(3)?KRS 304.12-235(3)
A Kentucky insurer fails to make a good faith attempt to settle a claim in the time KRS 304.12-235 allows. What yearly interest does the final settlement bear under subsection (2)?KRS 304.12-235(2)
A Kentucky motor vehicle policy provides comprehensive coverage and the claim is for motor vehicle glass only. How does KRS 304.20-060(2) treat the deductible?KRS 304.20-060(2)
A person is convicted in Kentucky of a fraudulent insurance act in which the aggregate of the claim is $5,000. Under KRS 304.47-020(2), what class of offense is it?KRS 304.47-020(2)
A person is convicted in Kentucky of a fraudulent insurance act in which the aggregate of the claim is $50,000. Under KRS 304.47-020(2), what class of offense is it?KRS 304.47-020(2)
An insurer and its insured agree to annul a Kentucky liability policy after an injury for which the insured may be liable. What is the effect under KRS 304.20-030?KRS 304.20-030
An insurer's check under a Kentucky automobile liability policy carries release language and the payee signs it. What is the effect on personal injury claims under KRS 304.20-070?KRS 304.20-070
Does Kentucky's rebate section, KRS 304.12-090(2), reach the insured named in a property or casualty policy?KRS 304.12-090(2)
How many years of history must a Kentucky loss run statement cover under KRS 304.20-100(4), when the insured has been with the insurer at least that long?KRS 304.20-100(4)
Insurance is required on property in connection with a loan in Kentucky. Of what must the lender inform the borrower under KRS 304.12-150?KRS 304.12-150
Under KRS 304.12-080(1), between whom may a Kentucky insurer other than a life or health insurer not unfairly discriminate in the rate of premium charged?KRS 304.12-080(1)
Under KRS 304.12-090(1), when may a Kentucky insurer's representative give a discount of the premium named in a property or casualty policy as an inducement to insurance?KRS 304.12-090(1)
Under KRS 304.12-230(7), which conduct by a Kentucky insurer is an unfair claims settlement practice?KRS 304.12-230(7)
Under KRS 304.20-260, a policy covering loss or damage to a structure in Kentucky may not be issued for more than what percentage of the structure's replacement cost?KRS 304.20-260
Under KRS 304.47-050(2), which of these must send the Kentucky fraud division a report when it believes a fraudulent insurance act has been committed?KRS 304.47-050(2)
What does KRS 304.12-070 prohibit in the business of insurance in Kentucky?KRS 304.12-070
What may a Kentucky insurer charge to prepare and provide one loss run statement under KRS 304.20-100(6)?KRS 304.20-100(6)
What may a Kentucky insurer, its agents or adjusters not require of a policyholder with an automobile glass claim under KRS 304.9-470(1)(a)?KRS 304.9-470(1)
What may a seller or installer of replacement glass not offer under KRS 304.9-470(2) in Kentucky?KRS 304.9-470(2)
Which act is an unfair claims settlement practice under KRS 304.12-230 in Kentucky?KRS 304.12-230(4)
Which advertisement does KRS 304.12-020 forbid any person to make in Kentucky?KRS 304.12-020(1)
Which of these may not be offered to a prospective insured as an inducement to insurance under KRS 304.12-110 in Kentucky?KRS 304.12-110
Within how many calendar days of a written request must a Kentucky insurer provide a loss run statement on commercial property and casualty risks under KRS 304.20-100(2)?KRS 304.20-100(2)
Within how many days after notice and proof of claim are furnished must a claim be paid under KRS 304.12-235(1), Kentucky's time of payment law?KRS 304.12-235(1)
Cancellation, nonrenewal and declination 28
A Kentucky auto insurer gives no notice of nonrenewal. Under KRS 304.20-040(5), what happens when the insured makes the appropriate payment?KRS 304.20-040(5)
A Kentucky auto insurer moves a policyholder to another company within the same insurance group. How does KRS 304.20-040(6) treat the transfer?KRS 304.20-040(6)
A Kentucky auto policy ends because the renewal premium was not received by the due date stated in a renewal notice. Within how many days must the insurer mail the first-named insured a notice that the policy was not renewed, under KRS 304.20-040(8)?KRS 304.20-040(8)
A Kentucky automobile liability policy is canceled for a reason other than nonpayment. Under KRS 304.20-040(11), of what must the insurer notify the named insured?KRS 304.20-040(11)
A Kentucky homeowner asks the insurer a question about coverage that does not reasonably apprise the insurer of a claim. What does KRS 304.20-047 bar?KRS 304.20-047
A Kentucky homeowners policy has been in effect more than 60 days and is canceled for a reason other than nonpayment of premium. How many days before the effective date must notice be mailed or delivered under KRS 304.20-320(2)(b)?KRS 304.20-320(2)(b)
A Kentucky insured files a claim for an automobile accident in which the insured was not at fault and not contributorily negligent. What does KRS 304.20-045(1) bar the insurer from doing solely because of that claim?KRS 304.20-045(1)
A Kentucky insurer cancels an automobile liability policy for nonpayment of premium. How many days' notice does KRS 304.20-040(3) require?KRS 304.20-040(3)
A Kentucky insurer cancels an automobile liability policy that has been in effect more than 60 days, for a reason other than nonpayment of premium. How many days before the effective date must notice be mailed or delivered under KRS 304.20-040(3)?KRS 304.20-040(3)
A Kentucky property or casualty policy is canceled for nonpayment of premium. How many days before the effective date must notice be mailed or delivered under KRS 304.20-320(2)(b)?KRS 304.20-320(2)(b)
A person who went uninsured for a reason KRS 304.20-041 accepts reapplies to the last Kentucky motor vehicle liability insurer. Within how many months of the nonrenewal must the reapplication be made for the protection to apply?KRS 304.20-041(1)
After a Kentucky property or casualty policy has been in effect more than 60 days, which is a reason on which a cancellation may be based under KRS 304.20-330?KRS 304.20-330(6)
After notice that a Kentucky automobile liability policy will be canceled or not renewed, within how many days may the insured ask the commissioner in writing to determine whether the reason is sufficient, under KRS 304.20-040(11)?KRS 304.20-040(11)
An applicant is declined for a Kentucky property or casualty policy. What may the applicant do under KRS 304.20-320(1)?KRS 304.20-320(1)
How many days before the end of a one-year Kentucky property or casualty policy must the insurer mail or deliver notice of the renewal premium to the named insured under KRS 304.20-035?KRS 304.20-035
How many days before the end of the policy period must a Kentucky insurer mail or deliver written notice that it will not renew a property or casualty policy, under KRS 304.20-320(3)(a)?KRS 304.20-320(3)(a)
How many days' advance notice must a Kentucky insurer give the named insured before failing to renew an automobile liability policy under KRS 304.20-040(5)?KRS 304.20-040(5)
The Kentucky commissioner finds an insurer violated the cancellation rules of KRS 304.20-320 to 304.20-340. Which may the commissioner require under KRS 304.20-350(1)?KRS 304.20-350(1)
KRS 304.20-340(2) bars declining a Kentucky property or casualty policy solely because of the applicant's lawful occupation. Which insurer is excepted?KRS 304.20-340(2)
The limited reasons for cancelling a Kentucky automobile liability policy in KRS 304.20-040(2) do not apply to a policy, other than a renewal, that has been in effect less than how many days when notice is mailed?KRS 304.20-040(2)(b)
On the renewal date a Kentucky property insurer requires a reasonable deductible that is directly related to an increased hazard. How does KRS 304.20-310(3) treat that requirement?KRS 304.20-310(3)
Under KRS 304.20-040(2)(c), adding a deductible of up to what amount to automobile physical damage coverage is not deemed a cancellation of a Kentucky policy?KRS 304.20-040(2)(c)
Under KRS 304.20-040(4)(c), a Kentucky insurer may not decline, refuse to renew or cancel an automobile policy solely because the insured sustained which kind of loss?KRS 304.20-040(4)
Under KRS 304.20-042, a Kentucky insurer may not decline, cancel or nonrenew property and casualty insurance on personal risks solely because of what?KRS 304.20-042(1)
Under KRS 304.20-330(5), a violation of which kind of rule supports cancelling a Kentucky property policy in effect more than 60 days, when it substantially increases a hazard insured against?KRS 304.20-330(5)
Under KRS 304.20-340(3), when may a Kentucky insurer decline or terminate a policy based solely on the age or location of the applicant's residence or property?KRS 304.20-340(3)
What must accompany a notice of cancellation of a Kentucky property or casualty policy under KRS 304.20-320(2)(a)?KRS 304.20-320(2)(a)
Which is a reason on which a notice of cancellation of a Kentucky automobile liability policy may be based under KRS 304.20-040(2)(a)?KRS 304.20-040(2)(a)
Auto: no-fault, liability minimums and uninsured motorist 27
A Kentucky owner fails to maintain the security required on a motor vehicle. Under KRS 304.39-090, what happens to the registration?KRS 304.39-090
A person entitled to Kentucky basic reparation benefits cannot identify any basic reparation insurance applicable to the injury. Where may the benefits be obtained under KRS 304.39-160(1)?KRS 304.39-160(1)
A person refuses to consent to the limits on tort rights in Kentucky's Motor Vehicle Reparations Act. Under KRS 304.39-060(4), when must the rejection be executed and filed with the Department of Insurance?KRS 304.39-060(4)
An injured person in Kentucky sends an underinsured motorist insurer written notice of a proposed settlement with the liability insurer. How many days does the insurer have to consent or keep its subrogation rights under KRS 304.39-320(3)(b)?KRS 304.39-320(3)
For Kentucky reparation benefits issued or renewed on or after July 15, 2026, "medical expense" under KRS 304.39-020(5)(a) includes funeral, cremation and burial charges up to what total per person?KRS 304.39-020(5)(a)
For Kentucky reparation benefits issued or renewed on or after July 15, 2026, what is the weekly limit on basic reparation benefits for work loss and replacement services loss under KRS 304.39-130?KRS 304.39-130
How may a named insured decline uninsured motorist coverage in a Kentucky automobile liability policy under KRS 304.20-020(1)?KRS 304.20-020(1)
How must a Kentucky insurer offer underinsured motorist coverage under KRS 304.39-320(2)?KRS 304.39-320(2)
Hurt while riding a motorcycle in Kentucky, a rider claims no-fault benefits for the injuries. On what condition does KRS 304.39-040(4) allow them?KRS 304.39-040(4)
If no reparation benefits have been paid for a loss other than death, an action for Kentucky basic reparation benefits may be commenced under KRS 304.39-230(1) no later than two years after the loss is known, or how many years after the accident, whichever is earlier?KRS 304.39-230(1)
In place of split limits, what single limit of liability coverage satisfies Kentucky's security requirement under KRS 304.39-110(1)(a)2.?KRS 304.39-110(1)(a)
In what limits must uninsured motorist coverage be provided in a Kentucky automobile liability policy under KRS 304.20-020(1), unless a named insured rejects it?KRS 304.20-020(1)
Kentucky reparation benefits are overdue if not paid within how many days after the reparation obligor receives reasonable proof of the fact and amount of loss, under KRS 304.39-210(1)(c)?KRS 304.39-210(1)(c)
Kentucky uninsured motorist coverage protects against a liability insurer's insolvency under KRS 304.20-020(3) when that insurer becomes insolvent within what period after the accident?KRS 304.20-020(3)
On request a Kentucky reparation obligor must provide added reparation benefits in units of $10,000 per person. What is the dollar ceiling in KRS 304.39-140(1)(a)?KRS 304.39-140(1)
Over what territory must the liability coverages of a Kentucky policy apply under KRS 304.39-110(1)(b)?KRS 304.39-110(1)(b)
Overdue Kentucky reparation benefits bear interest under KRS 304.39-210(2). What is the yearly rate when the delay was without reasonable foundation?KRS 304.39-210(2)
Under KRS 304.39-040(1), what part does fault play when a Kentucky insurer pays no-fault benefits?KRS 304.39-040(1)
Under KRS 304.39-060(2)(b), a Kentucky plaintiff may recover tort damages for pain and suffering from a motor vehicle accident when medical expense benefits exceed what amount?KRS 304.39-060(2)(b)
Under KRS 304.39-110(3), a Kentucky motorcycle owner meets the security requirement without buying which coverage?KRS 304.39-110(3)
Under the split limits of KRS 304.39-110(1)(a)1., what is Kentucky's minimum liability coverage for bodily injury sustained by all persons injured in any one accident?KRS 304.39-110(1)(a)
Under the split limits of KRS 304.39-110(1)(a)1., what is Kentucky's minimum liability coverage for bodily injury sustained by any one person?KRS 304.39-110(1)(a)
Under the split limits of KRS 304.39-110(1)(a)1., what is Kentucky's minimum liability coverage for damage to or destruction of property in any one accident?KRS 304.39-110(1)(a)
What is the least fine for a first offense by a Kentucky vehicle owner who fails to have the required security in effect, under KRS 304.99-060(1)(a)1.?KRS 304.99-060(1)(a)
What is the maximum amount of basic reparation benefits payable in Kentucky for all economic loss from injury to any one person in one accident, under KRS 304.39-020(2)?KRS 304.39-020(2)
Which injury lets a Kentucky plaintiff recover for pain and suffering under KRS 304.39-060(2)(b) whatever the amount of medical expense?KRS 304.39-060(2)(b)
Which of these is "loss" for Kentucky basic reparation benefits under KRS 304.39-020(5)?KRS 304.39-020(5)
FAIR plan, surplus lines, rates and binders 12
A Kentucky agent with property and casualty lines can place only part of the insurance a risk needs with authorized insurers. Under KRS 304.10-040(1)(b), how much may be exported to a nonadmitted insurer?KRS 304.10-040(1)(b)
Annual assessments of a member of Kentucky's FAIR plan reinsurance association may not exceed what share of the member's net direct premium written voluntarily in the state in the preceding year, under KRS 304.35-030(1)?KRS 304.35-030(1)
Before a residual market mechanism or its plan may operate in Kentucky, what does KRS 304.13-151(4) require?KRS 304.13-151(4)
For how long at most is a binder for Kentucky property or casualty insurance valid under KRS 304.14-220(2), if the policy is not issued sooner?KRS 304.14-220(2)
For which sole purpose may Kentucky insurance not be exported to a nonadmitted insurer under KRS 304.10-040(1)(c)?KRS 304.10-040(1)(c)
In a noncompetitive market, fire insurance rates in Kentucky may take into account the experience of the fire insurance business over at least how recent a period, under KRS 304.13-031(1)(c)7.?KRS 304.13-031(1)(c)
Through whom must surplus lines insurance be procured from a nonadmitted insurer in Kentucky under KRS 304.10-040(1)(a)?KRS 304.10-040(1)(a)
Under KRS 304.14-220(1), what terms is a Kentucky binder deemed to include?KRS 304.14-220(1)
What do the letters FAIR stand for in Kentucky's FAIR plan, as KRS 304.35-010(2) spells them out?KRS 304.35-010(2)
What must a Kentucky surplus lines broker execute at the time of effecting surplus lines insurance under KRS 304.10-050?KRS 304.10-050
What must every insurer show the Kentucky commissioner about its rates under KRS 304.13-057(1)?KRS 304.13-057(1)
Which insurers must be members of Kentucky's FAIR plan and reinsurance association under KRS 304.35-020?KRS 304.35-020
Kentucky Insurance Guaranty Association 13
A claim is not a covered claim of the Kentucky Insurance Guaranty Association when it is filed after the court's final date or more than how many months after the order of liquidation, whichever is earlier, under KRS 304.36-080(1)(b)?KRS 304.36-080(1)(b)
A first-party claim is not a covered claim of the Kentucky Insurance Guaranty Association when the insured's net worth exceeds what amount, under KRS 304.36-050?KRS 304.36-050
A person has a claim under another insurance policy that is also a covered claim of the Kentucky Insurance Guaranty Association. What does KRS 304.36-120(1) require?KRS 304.36-120(1)
A workers' compensation claim could be recovered from the guaranty associations of two states. From which must recovery be sought first under KRS 304.36-120(2)?KRS 304.36-120(2)
Apart from workers' compensation, the obligation of the Kentucky Insurance Guaranty Association and similar associations ends when how much has been paid in the aggregate on behalf of any one insured and its affiliates under one insolvent insurer's policies, KRS 304.36-080(1)(b)?KRS 304.36-080(1)(b)
How much of a covered claim for benefits under a workers' compensation policy does the Kentucky Insurance Guaranty Association pay under KRS 304.36-080(1)(a)?KRS 304.36-080(1)(a)
The Kentucky Insurance Guaranty Association is obligated on covered claims existing before the order of liquidation and arising within how many days after it, under KRS 304.36-080(1)(a)?KRS 304.36-080(1)(a)
What is the most the Kentucky Insurance Guaranty Association pays per claimant on covered claims other than workers' compensation, unearned premium and cybersecurity claims, under KRS 304.36-080(1)(a)?KRS 304.36-080(1)(a)
What is the most the Kentucky Insurance Guaranty Association pays per insured event on covered claims under a cybersecurity insurance policy, under KRS 304.36-080(1)(a)?KRS 304.36-080(1)(a)
What is the most the Kentucky Insurance Guaranty Association pays per policy on a covered claim for the return of unearned premium, under KRS 304.36-080(1)(a)?KRS 304.36-080(1)(a)
What kind of body is the Kentucky Insurance Guaranty Association under KRS 304.36-060?KRS 304.36-060
Which kind of insurance is outside the Kentucky Insurance Guaranty Association law under KRS 304.36-030(2)?KRS 304.36-030(2)
Which of these is not a covered claim of the Kentucky Insurance Guaranty Association under KRS 304.36-050?KRS 304.36-050
Workers' compensation 14
A Kentucky employer secures payment of compensation as the chapter requires. What is the effect on its liability to the employee under KRS 342.690(1)?KRS 342.690(1)
A Kentucky worker's injury causes death and there is a widow or widower and no children. What share of the deceased's average weekly wage is payable during widowhood or widowerhood under KRS 342.750(1)(a)?KRS 342.750(1)(a)
A person does repair or remodeling work in the private home of the employer. Under KRS 342.650(2), the person is exempt from Kentucky workers' compensation coverage when employed for no more than how many consecutive work days?KRS 342.650(2)
An administrative law judge finds that a delay in paying Kentucky workers' compensation income benefits was without reasonable foundation. What yearly interest applies under KRS 342.040(1)?KRS 342.040(1)
Besides insuring its liability with an authorized carrier, how may a Kentucky employer comply with KRS 342.340(1)?KRS 342.340(1)
How does fault bear on a Kentucky employer's liability for compensation under KRS 342.610(1)?KRS 342.610(1)
Kentucky income benefits for total disability are 66-2/3 percent of the employee's average weekly wage. Under KRS 342.730(1)(a), they may not be more than what percent of the state average weekly wage?KRS 342.730(1)(a)
Under KRS 342.040(1), Kentucky income benefits must be instituted no later than which day after the employer has knowledge of the disability or death?KRS 342.040(1)
Under KRS 342.040(1), no Kentucky workers' compensation income benefits are payable for the first how many days of disability, unless disability lasts more than two weeks?KRS 342.040(1)
Under KRS 342.730(1)(a), Kentucky income benefits for total disability may not be less than what percent of the state average weekly wage?KRS 342.730(1)(a)
When must notice of a work accident be given to a Kentucky employer under KRS 342.185(1)?KRS 342.185(1)
Which employee is exempt from Kentucky workers' compensation coverage under KRS 342.650(5)?KRS 342.650(5)
Which private employers are mandatorily subject to Kentucky's workers' compensation chapter under KRS 342.630(1)?KRS 342.630(1)
Within how many years after the date of the accident must an application for adjustment of a Kentucky workers' compensation claim be made under KRS 342.185(1), where no income benefits have been paid?KRS 342.185(1)
How this list was compiled: Own questions, written from the Kentucky Revised Statutes as published by the Kentucky General Assembly at https://apps.legislature.ky.gov/law/statutes/ (Chapter 304, Subtitles 9, 10, 12, 13, 14, 20, 35, 36, 39, 47 and 99, and Chapter 342), each section downloaded and read on 2026-10-12. Each question names its section and links to it. The topics follow the Kentucky Law unit of the Property Insurance License Outline and of the Casualty Insurance License Outline (16 units and 50 questions each; 4 and 5 of them on Kentucky law), which list the KRS references and which the Kentucky Department of Insurance posts at https://insurance.ky.gov/ppc/Documents/PropertyExamOutline041510.pdf and https://insurance.ky.gov/ppc/Documents/DOI_ExamStudyOutline-Casualtyrev04-15-2010.pdf, among the study outlines of its Training Providers / Study Outlines page (https://insurance.ky.gov/ppc/newstatic_info.aspx?static_id=74). Adjusters and public adjusters (KRS 304.9-430 to 304.9-435) and the FAIR plan (Subtitle 35) are not in the outlines' lists and are added. Statutes only: no Kentucky administrative regulation was read. Licence: Own work. Every question, wrong choice and explanation was written for this site from the text of the law. Nothing comes from a testing vendor, a prep course or an exam question pool.
How it works
An unofficial practice test for Commonwealth of Kentucky property and casualty insurance exam candidates, on the law alone: 163 free questions from the Kentucky Revised Statutes. Policy forms are not asked. Not affiliated with the Kentucky Department of Insurance.
Read the full guide
Property and Casualty are two exams in Kentucky
The Department of Insurance posts a Property outline and a Casualty outline. Each has a Kentucky Law unit that lists KRS sections, and the two lists mostly match; Casualty adds the no-fault act, automobile cancellation and workers' compensation. Both list agent licensing, trade practices and surplus lines.
Kentucky law as amended in 2026
For two years from April 13, 2026 the Department issues no new public adjuster licenses, and for two years from July 15, 2026 a public adjuster may not negotiate with an insurer for an insured. The amended no-fault sections apply to benefits issued or renewed from July 15: a $500 weekly limit and up to $5,000 for funeral expenses.
Cancellation notice: 14 days for nonpayment, 20 for other auto cancellations, 75 for nonrenewal (KRS 304.20-040, 304.20-320).
Minimum liability: $25,000 for one person, $50,000 per accident, $25,000 for property, or a $60,000 single limit (KRS 304.39-110).
Claims are payable within 30 days of proof; failing a good faith attempt to settle adds 12 percent interest (KRS 304.12-235).
Questions and answers
Is this a free practice test for the Kentucky property and casualty insurance exam?
Yes. Every question is free, and your answers stay in your browser. The questions are our own; the Kentucky Department of Insurance did not write or review them.
How many questions are on the Kentucky property and casualty exam?
The Department of Insurance's study outlines give the Property exam 50 questions, 4 of them on Kentucky law, and the Casualty exam 50, with 5 on Kentucky law. They print no pass mark, so this page gives none. Exam mode's 25 is a set size.
What does Kentucky no-fault insurance pay?
Basic reparation benefits pay economic loss up to $10,000 a person without regard to fault: medical expense, work loss and replacement services (KRS 304.39-020, 304.39-040). A motorcycle rider gets them only if they were bought as optional coverage.