KRS 304.47-080 — (1) Every insurer admitted to do business in the Commonwealth shall maintain a unit to investigate possible fraudulent claims by insureds or by persons making claims for services or repairs against policies held by insureds. (2) Insurers may maintain the unit required by subsection (1) of this section, using its employees or by contracting with others for that purpose. (3) Insurers shall establish the unit required by this section no later than July 15, 1995. (4) The unit may include the assignment of fraud investigation to employees whose principal responsibilities are the investigation and disposition of claims. If an insurer creates a distinct unit, hires additional employees, or contracts with another entity to fulfill the requirements of this article, the additional cost incurred shall be included as an administrative expense. 806 KAR 47:030 — … Section 2. All insurers shall implement the following in conjunction with their SIUs: (1) Systematic and effective methods to detect and investigate suspected fraudulent insurance claims; (2) Development and implementation of a corporate antifraud strategy to provide for the appropriate disposition of fraudulent insurance claims; (3) Provisions to educate and train all claims handlers to identify possible insurance fraud; (4) Policies for the SIU to cooperate with the insurer’s claims handlers, the insurer’s legal personnel, technical support personnel, and database support personnel; (5) Procedures to facilitate insurer communications with the Insurance Fraud Unit and compliance with mandatory reporting of suspected fraudulent insurance acts, pursuant to KRS 304.47-050; and (6) Procedures to encourage, coordinate, and effectuate communications and cooperation between the SIU, the Insurance Fraud Unit and other relevant law enforcement agencies.