# Kentucky SB 24: AN ACT relating to property and casualty insurance.

Kentucky SB 24, AN ACT relating to property and casualty insurance., is a 2025 Regular Session Senate bill sponsored by Rick Girdler (Republican); status signed, last action 2025-03-18 (signed by Governor (Acts Ch.25)) (as of 2026-10-17).

- Canonical: https://policyrisk.com/state-bill/KY-SB24-2025RS
- As of: 2026-10-17
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Kentucky SB 24
- State: Kentucky
- Session: 2025 Regular Session
- Title: AN ACT relating to property and casualty insurance.
- Status: signed
- Chamber: Senate
- Introduced: 2025-01-07
- Last action: 2025-03-18, signed by Governor (Acts Ch.25)
- Sponsor: Rick Girdler (Republican)
- Cosponsors: 0
- Subjects: Local Mandate, Corrections Impact, Crimes and Punishments, Insurance, Property, Real Estate, Technical Corrections, Consumer Affairs
- Touches household money: no
- Roll calls: 2 (128 yes, 1 no in all)
- Economic provisions PRIA read: 1

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Insurance fraud rules cover damage estimates: cost, low. Kentucky’s insurance-fraud law now counts property or casualty damage estimates, bids, and proposals as statements. This includes oral, written, and electronic submissions. People and businesses submitting these materials face broader coverage under the insurance-fraud rules.

## Sponsors and cosponsors

- Sponsor: Rick Girdler (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-03-11 | House | 3rd reading, passed | pass | 92 | 1 |   |
| 2025-02-18 | Senate | 3rd reading, passed | pass | 36 | 0 |   |

## Actions (19)

- 2025-03-18: signed by Governor (Acts Ch.25)
- 2025-03-11: delivered to Governor
- 2025-03-11: enrolled, signed by Speaker of the House (Senate)
- 2025-03-11: enrolled, signed by President of the Senate (Senate)
- 2025-03-11: received in Senate (Senate)
- 2025-03-11: 3rd reading, passed 92-1 (House)
- 2025-03-06: posted for passage in the Regular Orders of the Day for Friday, March 07, 2025 (House)
- 2025-03-06: 2nd reading, to Rules (House)
- 2025-03-05: reported favorably, 1st reading, to Calendar (House)
- 2025-02-28: to Banking & Insurance (H) (House)
- 2025-02-19: to Committee on Committees (H) (House)
- 2025-02-19: received in House (House)
- 2025-02-18: 3rd reading, passed 36-0 with Committee Substitute (1) and Committee Amendment (1-title) (Senate)
- 2025-02-13: posted for passage in the Regular Orders of the Day for Tuesday, February 18, 2025 (Senate)
- 2025-02-12: 2nd reading, to Rules (Senate)
- 2025-02-11: reported favorably, 1st reading, to Calendar with Committee Substitute (1) and Committee Amendment (1-title) (Senate)
- 2025-01-09: to Banking & Insurance (S) (Senate)
- 2025-01-07: to Committee on Committees (S) (Senate)
- 2025-01-07: introduced in Senate (Senate)

## Bill text

- Current, 2025-02-18: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/sb24/bill.pdf)
- Introduced, 2025-01-05: [PDF](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/sb24/orig_bill.pdf)

## Related bills

- HB 501: AN ACT relating to pharmaceutical drugs. (became law)
- HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency. (signed)
- HB 606: AN ACT relating to economic development. (signed)
- HB 421: AN ACT relating to colorectal cancer screenings. (signed)
- HB 555: AN ACT relating to local government financial practices. (signed)
- HB 493: AN ACT relating to the towing and storage of motor vehicles. (signed)

## Sources
- [Current (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/sb24/bill.pdf)
- [Introduced (PDF)](https://apps.legislature.ky.gov/recorddocuments/bill/25RS/sb24/orig_bill.pdf)

## Related
- [HB 501: AN ACT relating to pharmaceutical drugs.](https://policyrisk.com/state-bill/KY-HB501-2025RS)
- [HB 664: AN ACT relating to the operation of a motor vehicle and declaring an emergency.](https://policyrisk.com/state-bill/KY-HB664-2025RS)
- [HB 606: AN ACT relating to economic development.](https://policyrisk.com/state-bill/KY-HB606-2025RS)
- [HB 421: AN ACT relating to colorectal cancer screenings.](https://policyrisk.com/state-bill/KY-HB421-2025RS)
- [HB 555: AN ACT relating to local government financial practices.](https://policyrisk.com/state-bill/KY-HB555-2025RS)
- [HB 493: AN ACT relating to the towing and storage of motor vehicles.](https://policyrisk.com/state-bill/KY-HB493-2025RS)
- [Kentucky bills](https://policyrisk.com/states/kentucky/bills)
- [Kentucky state hub](https://policyrisk.com/states/kentucky)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/KY-SB24-2025RS (as of 2026-10-17).