new Kentucky insurance rules—better or just more complicated?

I've been looking into the recent changes Kentucky made to their insurance laws, and honestly, I'm kinda torn. On one hand, the new rules seem like they offer better protection for policyholders, which is great. But on the other hand, it feels like they're adding layers of complexity that might make claims and paperwork even more of a headache than before. Curious if folks here prefer simpler regulations with fewer protections or more thorough (but complicated) ones... thoughts?