Did you know that a Kentucky court must look at the policy as a whole and give every provision its full meaning and operative effect. Kemper Nat’l Ins. Cos. v. Heaven Hill Distilleries, 82 S.W.3d 869, 875-76 (Ky. 2002). The plain and ordinary meaning of the policy language governs if it is clear and unambiguous. Nationwide Mut. Ins. Co. v. Nolan, 10 S.W.3d 129, 131, 46 15 Ky. L. Summary 19 (Ky. 1999). Because the insurance carrier typically drafts the policy, where policy language is ambiguous, that language must be construed in the light most favorable to the insured. Kentucky Farm Bureau Mut. Ins. Co. v. McKinney, 831 S.W.2d 164, 166 (Ky. 1992)(internal citations omitted)?
Got questions about a reservation of rights letter from your insurance carrier? Call us if you need help. We are actively prosecuting bad faith claims against insurance companies for their misconduct in wrongly denying claims and unreasonably delaying payment of claims covered under the policy.