KY SB195

Modifies seat belt evidence rules to allow admission of failure to wear a seat belt as evidence of negligence or failure to mitigate damages only if the party proves it was a substantial factor in contributing to injuries

Prohibits third-party claimants from bringing actions against insurers for unfair claims settlement practices and voids any assignment of such causes of action

Creates new protections for government contractors on road projects, establishing a rebuttable presumption that contractors followed plans and specifications upon project acceptance, with liability only upon clear and convincing evidence of dangerous conditions

Requires 60-day written pre-suit notice for medical malpractice claims and consumer protection claims, with specific requirements including patient information, alleged wrongful acts, and HIPAA-compliant medical authorization

Establishes a 50% comparative fault bar preventing claimants from recovering damages if they are 50% or more responsible for their injuries, and limits medical damage evidence to amounts actually paid or necessary to satisfy healthcare obligations