KRS 365.532: Motor vehicle liability insurance -- Requirements -- Conditions -- Proof of

coverage required -- Claims.

(1) A delivery network company shall ensure that, during the delivery available period,

if applicable, and delivery service period, primary motor vehicle liability insurance

coverage is in place that:

(a) Recognizes that the driver is a delivery network driver; or

(b) Does not exclude coverage for use of the motor vehicle to provide delivery

services.

(2) The delivery network driver, delivery network company, or any combination of the

two (2) shall maintain a motor vehicle liability insurance policy that provides the

coverage required under KRS 304.39 -080 during the delivery available period and

delivery service period in amounts not less than:

(a) For bodily injury and property damage to third parties:

1. Fifty thousand dollars ($50,000) or the amount required under KRS

304.39-110(1)(a)1., whichever is greater, for all damages arising out of

bodily injury sustained by any one (1) perso n as a result of any one (1)

accident;

2. One hundred thousand dollars ($100,000) or the amount required under

KRS 304.39 -110(1)(a)1., whichever is greater, for all damages arising

out of bodily injury sustained by all persons as a result of any one (1)

accident; and

3. Twenty-five thousand dollars ($25,000) or the amount required under

KRS 304.39 -110(1)(a)1., whichever is greater, for all damages arising

out of damage to or destruction of property as a result of any one (1)

accident; and

(b) For basic reparation benefits, the amount set forth in KRS 304.39-020(2).

(3) If the insurance coverage maintained by a delivery network driver in accordance

with subsections (1) and (2) of this section has lapsed or does not provide the

required coverage, insurance maintained by the delivery network company shall:

(a) Provide the coverage required by subsections (1) and (2) of this section

beginning with the first dollar of a claim; and

(b) Have the duty to defend a claim made under the coverage provided u nder

paragraph (a) of this subsection.

(4) Coverage under a motor vehicle liability insurance policy maintained by a delivery

network company shall not be dependent upon another motor vehicle liability

insurer first denying a claim nor shall another motor vehicle liability insurance

policy be required to first deny a claim.

(5) The insurance coverage required by this section may be obtained from:

(a) An insurer duly licensed or authorized to transact business under the

insurance laws of this state; or

(b) A surplus lines broker licensed under KRS 304.10-120.

(6) (a) A delivery network driver shall carry proof of the insurance required under

subsections (1) and (2) of this section at all times while using a personal

vehicle in connection with a digital network.

(b) In the event of an accident, a delivery network driver or delivery network

company shall, upon request, provide the following to directly interested

parties, motor vehicle liability insurers, claimants, claimants' counsel, and

investigating law enforcement officers:

1. Information about the insurance coverage maintained under subsections

(1) and (2) of this section; and

2. Whether the driver was operating during a delivery available period or

delivery service period at the time of the accident.

(c) Information about the insurance coverage maintained under subsections (1)

and (2) of this section may be displayed or provided in either paper or

electronic format as provided in KRS 304.39-117.

(7) In a claims coverage investigation:

(a) A delivery network company or its insurer shall:

1. Cooperate with all insurers that are involved with the claims coverage

investigation to facilitate the exchange of information; and

2. Immediately provide, upon request by directly interested parties,

claimants, claimants' counsel, or any insurer, the precise times that a

delivery network driver began and ended any delivery available periods

and delivery service periods on the delivery network company's digital

network in the twenty-four (24) hour period both immediately preceding

the accident and immediately following the accident; and

(b) Insurers potentially providing the coverage required under this section shall

disclose, upon request by any other insurer involved in the particular claim,

the applicable coverages, exclu sions, and limits provided under any motor

vehicle liability insurance maintained to satisfy the requirements of this

section.

(8) The insurer or insurers of a delivery network company providing coverage under

subsections (1) and (2) of this section shall assume primary liability for a claim if:

(a) A dispute exists as to when a delivery available period or delivery service

period began or ended; and

(b) The delivery network company does not have available, did not retain, or fails

to provide the information required under subsection (7)(a) of this section.