KRS 304.14-435: English language requirement for forms, policy, and claim -related

information -- Requirements for non -English version -- Use and effect of

translations.

(1) All policy forms filed with the department, and any other insurance policy or claim-

related information, shall be written in the English language.

(2) An insurer may provide applicants and insureds with a policy, application, or claim-

related information in a language other than English if the conditions of subsection

(3) of this section have been satisfied.

(3) The non -English version of the policy, application, or claim -related information

shall:

(a) Be a certified translation of a policy, application, or claim -related information

that has been filed with and approved by the department;

(b) Be accompanied by a certification written in English that the non -English

version is a complete and accurate translation of the English form filed;

(c) Be in the same format as the English version;

(d) Contain a disclosure, both in the non -English language and in English, that is

attached to the front of the policy, application, or claim -related information,

including a statement indicating that:

1. The policy, application, or claim-related information is a translation that

has not been approved by the department; and

2. The English version of the policy, application, or claim -related

information shall control in any disputes, complaints, or litigation; and

(e) Identify the English form number that corresponds to the non-English version.

(4) If an insurer offer s a non -English policy, application, or claim -related information

in accordance with subsections (2) and (3) of this section, the insurer shall file the

translator certification and disclosure required by paragraph (d) of subsection (3)

with the department as an information filing.

(5) This section shall not prohibit an insurer from advertising or providing information

related to the policy or claims with translations to consumers in a language other

than English.

(6) If there is a dispute between the English version and the non -English version, the

English version shall control and the non-English version shall carry a disclaimer in

the non-English language to this effect. The insurance policy is controlling and any

advertisements or informational materials used by an insurer shall not be construed

to modify or change the insurance policy.