No insurer shall cancel, refuse to renew, or increase the premium on an automobile
insurance policy on an automobile owned by an insured who is employed by the Commonwealth
of Kentucky because of an accident which occurred while the insured was acting in
the scope and course of his employment as a state employee and was operating a motor
vehicle owned by the Commonwealth of Kentucky, except in the case of a driver who
has a pattern of conduct exhibiting a disregard for the traffic laws of the Commonwealth
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