---
type: "Bill"
title: "AN ACT relating to crimes affecting insurance. Amend KRS 304.47-020 to make technical corrections, establish range of criminal penalties resulting from conviction of insurance fraud, allow restitution to insurers that have contracted to indemify a victim, remove conviction requirement for creating private cause of action for persons damaged by violation of statute; amend KRS 431.200, 532.032, 532.034, 532.160, 532.350, 533.030, 533.254, and 610.030 to allow restitution to insurers that have contracted to indemnify a victim, amend KRS 439.3107, 439.563, 532.162, 532.356, 532.358, and 446.010 to conform."
description: "AN ACT relating to crimes affecting insurance. Amend KRS 304.47-020 to make technical corrections, establish range of criminal penalties resulting from conviction of insurance fraud, allow restitution to insurers that have contracted to indemify a victim, remove conviction requirement for creating private cause of action for persons damaged by violation of statute; amend KRS 431.200, 532.032, 532.034, 532.160, 532.350, 533.030, 533.254, and 610.030 to allow restitution to insurers that have contracted to indemnify a victim, amend KRS 439.3107, 439.563, 532.162, 532.356, 532.358, and 446.010 to conform."
jurisdiction: "us/states/ky"
legislature: "Kentucky General Assembly"
session: "2018RS"
identifier: "HB 323"
citation: "Kentucky HB 323 (2018RS)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["S. Riggs"]
version_count: 5
action_count: 26
vote_count: 0
first_action: "2018-02-07"
last_action: "2018-04-26"
source: "openstates"
source_identifier: "ocd-bill/f466a898-c564-40f9-859d-daedb0e3654a"
source_url: "http://www.lrc.ky.gov/record/18RS/HB323.htm"
source_hash: "680eba9c2b1e2431823f46dd9fc92a525cd8e99c150ba1f9422c4e6e9091a149"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ky"]
---

# Kentucky HB 323 (2018RS) — AN ACT relating to crimes affecting insurance. Amend KRS 304.47-020 to make technical corrections, establish range of criminal penalties resulting from conviction of insurance fraud, allow restitution to insurers that have contracted to indemify a victim, remove conviction requirement for creating private cause of action for persons damaged by violation of statute; amend KRS 431.200, 532.032, 532.034, 532.160, 532.350, 533.030, 533.254, and 610.030 to allow restitution to insurers that have contracted to indemnify a victim, amend KRS 439.3107, 439.563, 532.162, 532.356, 532.358, and 446.010 to conform.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **HB 323 (As Introduced)** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB323/orig_bill.pdf)
2. **HFA1** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB323/HFA1.pdf)
3. **HFA2** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB323/HFA2.pdf)
4. **Most Recent Version** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB323/bill.pdf)
5. **SCS1** (committee substitute) — [source](http://www.lrc.ky.gov/recorddocuments/bill/18RS/HB323/SCS1.pdf)

## Sponsors

- S. Riggs — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2018-02-07** Introduced in House `introduction`
- **2018-02-09** To Banking & Insurance (H) `referral-committee`
- **2018-02-12** Posted in committee
- **2018-02-15** Reported favorably, 1st reading, to Consent Calendar `reading-1`
- **2018-02-16** 2nd reading, to Rules `reading-2`
- **2018-02-22** Posted for passage in the Consent Orders of the Day for Friday, February 23, 2018
- **2018-02-23** Taken from the Consent Orders of the Day, placed in the Regular Orders of the Day
- **2018-03-01** Floor amendments (1) and (2) filed `amendment-introduction`
- **2018-03-09** 3rd reading, passed 83-0 with floor amendment (1) `reading-3, passage`
- **2018-03-12** Received in Senate
- **2018-03-13** To Banking & Insurance (S) `referral-committee`
- **2018-03-21** Taken from Banking & Insurance (S)
- **2018-03-21** 1st reading `reading-1`
- **2018-03-21** Returned to Banking & Insurance (S)
- **2018-03-22** Reported favorably, 2nd reading, to Rules with Committee Substitute (1) as a consent bill `reading-2`
- **2018-03-27** Posted for passage in the Consent Orders of the Day for Tuesday, March 27, 2018
- **2018-03-27** 3rd reading, passed 37-0 with Committee Substitute (1) `reading-3, passage`
- **2018-03-27** Received in House
- **2018-03-27** To Rules (H) `referral-committee`
- **2018-04-13** Posted for passage for concurrence in Senate Committee Substitute (1)
- **2018-04-13** House concurred in Senate Committee Substitute (1)
- **2018-04-13** Bill passed 88-0
- **2018-04-14** Enrolled, signed by Speaker of the House
- **2018-04-14** Enrolled, signed by President of the Senate
- **2018-04-14** Delivered to Governor
- **2018-04-26** Signed by Governor (Acts, ch. 178) `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f466a898-c564-40f9-859d-daedb0e3654a`. Confidence: reported (aggregated from official Kentucky legislature records).