{"data":{"id":"us-ky/krs-365.532","jurisdiction":"us-ky","citation":"KRS 365.532","heading":"Motor vehicle liability insurance -- Requirements -- Conditions -- Proof of","body":"coverage required -- Claims.\n(1) A delivery network company shall ensure that, during the delivery available period,\nif applicable, and delivery service period,  primary motor vehicle liability insurance\ncoverage is in place that:\n(a) Recognizes that the driver is a delivery network driver; or\n(b) Does not exclude coverage for use of the motor vehicle to provide delivery\nservices.\n(2) The delivery network driver, delivery network company, or any combination of the\ntwo (2) shall maintain a motor vehicle liability insurance policy that provides the\ncoverage required under KRS 304.39 -080 during the delivery available period and\ndelivery service period in amounts not less than:\n(a) For bodily injury and property damage to third parties:\n1. Fifty thousand dollars ($50,000) or the amount required under KRS\n304.39-110(1)(a)1., whichever is greater, for all damages arising out of\nbodily injury sustained by any one (1) perso n as a result of any one (1)\naccident;\n2. One hundred thousand dollars ($100,000) or the amount required under\nKRS 304.39 -110(1)(a)1., whichever is greater, for all damages arising\nout of bodily injury sustained by all persons as a result of any one (1)\naccident; and\n3. Twenty-five thousand dollars ($25,000) or the amount required under\nKRS 304.39 -110(1)(a)1., whichever is greater, for all damages arising\nout of damage to or destruction of property as a result of any one (1)\naccident; and\n(b) For basic reparation benefits, the amount set forth in KRS 304.39-020(2).\n(3) If the insurance coverage maintained by a delivery network driver in accordance\nwith subsections (1) and (2) of this section has lapsed or does not provide the\nrequired coverage, insurance maintained by the delivery network company shall:\n(a) Provide the coverage required by subsections (1) and (2) of this section\nbeginning with the first dollar of a claim; and\n(b) Have the duty to defend a claim made under the coverage provided u nder\nparagraph (a) of this subsection.\n(4) Coverage under a motor vehicle liability insurance policy maintained by a delivery\nnetwork company shall not be dependent upon another motor vehicle liability\ninsurer first denying a claim nor shall another motor vehicle liability insurance\npolicy be required to first deny a claim.\n(5) The insurance coverage required by this section may be obtained from:\n(a) An insurer duly licensed or authorized to transact business under the\ninsurance laws of this state; or\n(b) A surplus lines broker licensed under KRS 304.10-120.\n(6) (a) A delivery network driver shall carry proof of the insurance required under\nsubsections (1) and (2) of this section at all times while using a personal\nvehicle in connection with a digital network.\n(b) In the event of an accident, a delivery network driver or delivery network\ncompany shall, upon request, provide the following to directly interested\nparties, motor vehicle liability insurers, claimants, claimants' counsel, and\ninvestigating law enforcement officers:\n1. Information about the insurance coverage maintained under subsections\n(1) and (2) of this section; and\n2. Whether the driver was operating during a delivery available period or\ndelivery service period at the time of the accident.\n(c) Information about the insurance coverage maintained under subsections (1)\nand (2) of this section may be displayed or provided in either paper or\nelectronic format as provided in KRS 304.39-117.\n(7) In a claims coverage investigation:\n(a) A delivery network company or its insurer shall:\n1. Cooperate with all insurers that are involved with the claims coverage\ninvestigation to facilitate the exchange of information; and\n2. Immediately provide, upon request by directly interested parties,\nclaimants, claimants'  counsel, or any insurer, the precise times that a\ndelivery network driver began and ended any delivery available periods\nand delivery service periods on the delivery network company's digital\nnetwork in the twenty-four (24) hour period both immediately preceding\nthe accident and immediately following the accident; and\n(b) Insurers potentially providing the coverage required under this section shall\ndisclose, upon request by any other insurer involved in the particular claim,\nthe applicable coverages, exclu sions, and limits provided under any motor\nvehicle liability insurance maintained to satisfy the requirements of this\nsection.\n(8) The insurer or insurers of a delivery network company providing coverage under\nsubsections (1) and (2) of this section shall assume primary liability for a claim if:\n(a) A dispute exists as to when a delivery available period or delivery service\nperiod began or ended; and\n(b) The delivery network company does not have available, did not retain, or fails\nto provide the information required under subsection (7)(a) of this section.","path":["KRS Chapter 365"],"source_url":"https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=55738","current_through":"Includes enactments through the 2026 Regular Session","vintage":"09/05/2026","retrieved_at":"2026-09-05T20:59:01Z","sha256":"e2778a8269d9e1fd303ee5efcebfd52ec93d199a2720622053ad67167aa003a9","source_id":"us-ky","stale":false,"prev":"us-ky/krs-365.530","next":"us-ky/krs-365.534"},"notice":"GroundRules: Original legal text. Not legal advice."}