KRS 304.30-010: Application.

The provisions of this subtitle shall not apply with respect to:

(1) Any insurer licensed to do business in this state;

(2) Any banking institution, trust, loan, mortgage, safe deposit company, or title

insurer, building association, credit union, moneylen ders, or common trust fund

authorized to do business in this state;

(3) The inclusion of a charge for insurance in connection with an installment sale of a

motor vehicle made in accordance with KRS Chapter 190; and

(4) The inclusion of a late charge not to exceed eighteen percent (18%) per annum on

insurance premium accounts held by any agent once those accounts remain unpaid

for a period of thirty (30) days beyond the date that the original premium was due

and owing.