Unfair Self-Insured Claims Settlement Practices
The first is about applying the unfair claims settlement practices act to “self-insured” entities like Kroger, who can delay their investigations until the video footage of injuries is automatically overwritten and there is no evidence. This leaves those injured having to try to recover, pay medical bills, and maintain their employment, without any recourse for the unfair treatment they receive from these “self-insured” entities.
Landlord Dog Attack Liability
The second involves the current state of strict liability regarding landlords, or the lack thereof. We need legislation that will correct HB112, which passed in 2017, amending KRS 258(5)(b)3 and 4 to add “and occupied,” having the effect of removing strict liability for landlords who allow tenants to keep dogs that attack innocent Kentucky children. This means that if a dog gets loose from an apartment and mangles a child’s leg, unless the tenant had renter’s insurance (unlikely) or the landlord had actual knowledge of the “dog’s vicious or mischievous propensities and had control over the area when the attack occurred,” then the child’s parents must figure out how to pay for the child’s medical care. This current state of the law is unfair to the innocently injured children of Kentucky, but also to our vulnerable elderly who are even more likely to suffer serious injury or death from being knocked down or attacked.
Kentucky Fairness Law
The third proposes a state-wide Fairness Law that would prohibit discrimination in the workplace, housing, and public accommodations based on sexual orientation or gender identity. All Kentuckians have a right to live without fear of unjust discrimination, regardless of their race, religion, sexual orientation, or gender identity.
State-wide Uniform Residential Landlord and Tenant Act
The fourth requests that officials amend the Uniform Residential Landlord and Tenant Act to apply it to the entire Commonwealth, rather than allowing it to be optional for local governments. But for the discretion of local governments (many of which are operated or controlled by landlords), it is a good law that provides important protections for tenants in Kentucky who make up the vast majority of Kentucky’s vulnerable and poverty-stricken populations. While the Act also provides reasonable protections for landlords, making it mandatory law throughout the state of Kentucky is an opportunity for each of them to help every-day Kentuckian.