Yes, you can. Insurance companies have an obligation, by law in Kentucky, to negotiate in good faith and to make a fair and to make a fair settlement offer to you.
If they do not act fairly or reasonably, you can sue them.
If you live in the Northern Kentucky area and are getting the run-around from your insurance company after a car accident, give my office a call at 859 441 5400 so we can discuss the situation and see if I can help.