KRS 304.9-509: Consumer protection disclosures to be included with rental vehicle

agreement.

Rental vehicle insurance shall not be transacted under this subtitle at any location unless

the following consumer protection disclosures are made in writing that meets th e

readability standards set forth in KRS 304.14 -440 and the regulations promulgated

thereunder prior to the sale of rental vehicle insurance and are included with the rental

vehicle agreement:

(1) A clear and concise description of the material terms and c onditions of the

coverage, including a description of exclusions;

(2) A description of the process for filing a claim and a toll -free telephone number for

reporting a claim;

(3) A statement that the coverage offered by the rental vehicle agent may be a

duplication of coverage already provided by the renter's personal automobile

insurance policy or by another source of coverage;

(4) A statement that the renter is not required to purchase any insurance from the rental

vehicle company in order to rent a vehicl e. However, the rental vehicle company

may refuse to rent a vehicle to an uninsured driver;

(5) The name and address of the underwriting insurer;

(6) A separate itemization of all costs for the rental vehicle insurance;

(7) Confirmation that the insurer un derwriting coverage is authorized to transact

insurance in Kentucky; and

(8) A statement that the rental vehicle insurance is primary coverage over any other

coverage which may be available to the renter or authorized driver covering the

same loss.