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Louisville Accident & Injury Attorney Jim Desmond

Easy-to-understand answers from an experienced Louisville car wreck attorney

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Month: January 2020

Archives for January 2020

Episode 4 UM/UIM Coverage

Uninsured Motorist (UM) and Under Insured Motorist (UIM) Coverage.  In today’s episode, Louisville personal injury attorney Jim Desmond discusses UM/UIM Coverage.  Uninsured Motorist and/or Under Insured Motorist coverage is generally used for pain and suffering claims and uncompensated medical expenses.

Your uninsured motorist coverage and under insured motorist coverage must be in place before the collision occurs.  Bodily injury coverage refers to the amount your policy will pay for the other person, not you.

You can have coverage as a named insured and others may be covered under resident relative concept.  UM/UIM coverage can apply to resident relatives.

Jim Desmond discusses various situations, including a bus accident requiring multiple claimants to file against a single driver.  He explains how UM/UIM coverage can be an added layer of protection.  If there are multiple injured parties, the attorneys will work to help decide how the coverage will be divided among the victims.

If you are hesitant to file a claim in an automobile accident, it begins as a personal injury claim, not a lawsuit.  You’re trying to recover from the at-fault driver via negotiations.  If you can’t reach an acceptable settlement, your attorney can file a lawsuit.  In most cases though, you’re going after the insurance company that is covering the at-fault driver.

Louisville personal injury attorney Jim Desmond discusses UM/UIM Coverage.

  • This Happened This Week 

The no-fault carrier has a lien against the case for the amount it paid.  If you can figure out the policy limits of the at-fault driver, your attorney can petition the at-fault driver’s insurance company pay the victim directly.  This may avoid having the no-fault carrier recover the lien.  It’s complicated, but your attorney understands whether it’s possible in your case.

  • Need to Hire an Attorney for Your Auto Accident Case?

You can contact Jim Desmond at www.AttorneyDesmond.com.  His cell phone is (502) 609-7657.  Follow the links on his website to his Facebook page, where you’ll be able to follow him and keep up to date with new information about personal injury law in Kentucky and Indiana.

Important Disclaimers:

The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  I am only licensed in Kentucky and Indiana, so the general advice provided may not apply outside of those states.

This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Co-host Jim Ray is a non-attorney spokesperson.

 

 

Episode 3 Kentucky No Fault Coverage

Episode 3 – No Fault Coverage in Kentucky

Jim Desmond is personal injury attorney licensed in Kentucky and Indiana.  His office is located in Louisville.  We will launch new episodes of the Kentucky Auto Accident Podcast, every 2 weeks.  This podcast is going to provide helpful information, so you have a better idea of what you should do after a car wreck.  If you’ve been in an accident, knowing whom to call is half of the battle.

Kentucky No Fault Coverage

This is often misunderstood, but it’s a valuable coverage for medical expenses and lost wages.  It’s up to $10,000 of coverage for you and your passengers.  It provides immediate coverage without having to prove which driver is at fault.  It’s called personal injury protection or PIP coverage.

Your Kentucky no fault coverage applies if you’re in a different state, because it follows you.  You’ll be required to prove medical expenses and/or lost wages.  It’s important to seek medical treatment as quickly as possible to establish a medical record.

In a collision, if you use your no fault coverage, you surrender the right to recover the expenses as part of your settlement.

Motorcycle coverage does not provide automatic no fault coverage.  You can purchase it, but it’s expensive for motorcyclists.  Pedestrian PIP covers a pedestrian you hit.  If you have an injured motorcycle passenger, he/she can recover the full amount of his/her medical bills from the at fault driver.

No fault coverage is usually for medical bills (including co-pays and deductibles) and lost wages.  You can buy more lost wage protection.  It’s generally a good idea.  It can also cover some replacement services, limited funeral expenses and some survivor benefits.

The funds are typically handled by the insurance company’s no fault adjuster. A claim number will be established. Your attorney can help you with your application.  Let your medical provider know your claim number and they will usually bill the insurance company.

Indiana’s system is called med-pay and must be purchased, prior to the collision.  It covers part of your medical bills.  Pay attention to any exclusions.  If an Indiana driver has a car wreck in Kentucky, you are generally entitled to no fault coverage.  You may still have your med-pay coverage for additional medical bills.

Attorney Jim Desmond Discusses Kentucky No Fault Coverage

This Happened This Week 

Jim Desmond settled a pain and suffering claim for a motorcycle client.  The client had limited, additional coverage.  Medicaid is helping to reduce the amount of the remaining medical bills.

Need to Hire an Attorney for Your Auto Accident Case?

You can contact Jim Desmond at www.AttorneyDesmond.com.  His cell phone is (502) 609-7657.  Follow the links on his website to his Facebook page, where you’ll be able to follow him and keep up to date with new information about personal injury law in Kentucky and Indiana.

Important Disclaimers:

The information provided on this podcast is for general informational purposes only.  It should not be construed as legal advice and does not constitute an attorney-client relationship.  You should seek the advice of an attorney for guidance related to your specific situation.  I am only licensed in Kentucky and Indiana, so the general advice provided may not apply outside of those states.

This podcast maybe freely shared, but may not be the modified or edited in any way.  This is an attorney advertisement.   Co-host Jim Ray is a non-attorney spokesperson.

I UNDERSTAND! You Need Simple, Immediate, Experienced Legal Advice.

You don’t know the right or wrong steps to take after a car wreck! Friends are telling you to contact their attorney, insurance companies are telling you don’t need a lawyer and twenty TV attorneys are promising you checks without knowing the facts of your injury claim.

This Is Why You Can Reach Me, A Louisville Personal Injury Lawyer On My Cell Phone!

(502) 609-7657

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This website has been prepared for the purpose of providing information about Desmond Law Office, PLLC. Jim Desmond is an accident and injury lawyer in Kentucky. The website has been compiled in good faith by Desmond Law Office, PLLC. Some of the information may now be incomplete or may have fallen out of date. Your information is used solely to communicate with you. The material contained in the website should not be interpreted as legal advice, and contacting us via this site does not establish an attorney-client relationship. Kentucky Legal Ethics requirement: No cost of case expense owed unless we win your case. Services may be performed by other attorneys.