Kentucky law is clear that ambigous terms in an insurance policy must be read in a way that favors the insured not the insurance company.  Here's a couple of key points from Kentucky courts:

  • Kentucky law requires that an ambiguous term in an insurance policy "be liberally construed so as to resolve all doubts in favor of the insured."  Bituminous Casualty Corp. v. Kenway Contracting, Inc., 240 SW 3d 633, 638 (Ky 2008)
  • "A contract is ambiguous if a reasonable person would find it susceptible to different or inconsistent interpretations."  Cantrell Supply, Inc. v. Liberty Mutual Insurance Company, 94 S.W.3d 381, 385 (Ky. App. 2002).