KRS 304.39-100: Included coverages.

(1) An insurance contract which purports to provide coverage for basic reparation

benefits or is sold with representation that it provides security covering a motor

vehicle has the legal effect of including all coverages required by this subtitle.

(2) An insur er authorized to transact or transacting business in this Commonwealth

shall file with the commissioner of insurance as a condition of its continued

transaction of business within this Commonwealth a form approved by the

commissioner of insurance declaring that in any contract of liability insurance for

injury, wherever issued, covering the ownership, maintenance or use of a motor

vehicle other than motorcycles while the vehicle is in this Commonwealth shall be

deemed to provide the basic reparation benefit s coverage and minimum security for

tort liabilities required by this subtitle, except a contract which provides coverage

only for liability in excess of required minimum tort liability coverage. Any

nonadmitted insurer may file such form.