KRS 304.47-010: Definitions for subtitle.

As used in this subtitle, unless the context requires otherwise:

(1) "Criminal syndicate" means five (5) or more persons collaborating to promote or

engage in any fraudulent insurance act, as set forth in KRS 304.47 -020(1), on a

continuing basis;

(2) "Division" means the Division of Insurance Fraud Investigation of the Kentucky

Department of Insurance, its employees, or authorized representatives;

(3) "Insurance policy" or "policy" means any individual or group policy, including

those defined by KRS Chapter 342, certificate, or contract of an insurer, including

reinsurance affecting the rights of any Kentucky resident or bearing a reasonable

relation to Kentucky regardless of whether delivered or issued for delivery in

Kentucky;

(4) "Insured" means any perso n who is a named insured or beneficiary under an

insurance policy or a person who is not a named insured or beneficiary under an

insurance policy due to the fraudulent action of another, but who in good faith

believes himself or herself to be an insured or beneficiary;

(5) "Insurer" means any person, entity, organization, or reinsurer, including fraternal

benefit societies as defined in Subtitle 29 of this chapter, nonprofit hospital,

medical-surgical, dental, and health service corporation as defined in Su btitle 32 of

this chapter, health maintenance organization as defined in Subtitle 38 of this

chapter, prepaid dental plan organization as defined in Subtitle 43 of this chapter, or

unauthorized insurer as defined in Subtitle 11 of this chapter, subject to regulation

by or registration with the Department of Insurance under this chapter, and any

"carrier," "self-insurer," or "insurance carrier" as defined by KRS Chapter 342;

(6) "Law enforcement agency" means any federal, state, county, or consolidated polic e

or law enforcement department and any prosecuting official of the federal, state,

county, local, or consolidated government; and

(7) "Statement" includes but is not limited to any notice, statement, proof of loss, bill of

lading, invoice, account, estima te of property or casualty damages, bid or proposal

relating to property or casualty damages, bill for services, diagnosis, prescription,

hospital or physician record or report, X -ray, test result, or other evidence of loss,

injury, or expense that is in a ny form, including oral, written, and electronic

transmissions.