Kentucky Revised Statutes Title XVI. Motor Vehicles § 190.124.Statute of limitations on action for breach of retail installment contract

(a) Four (4) years after the maturity date of the retail installment contract;

(b) If the motor vehicle has been repossessed, voluntarily or involuntarily, four (4) years after the date the motor vehicle was sold or otherwise disposed of by the repossessing retail seller, sales finance company, or other owner of the retail installment contract; or

(c) If the maturity date is accelerated by reason of default, regardless of whether the motor vehicle has been repossessed, within four (4) years of the accelerated maturity date.