Louisville Accident And Injury Blog

If you’ve been injured in a car accident, one of the first questions you probably have is: “How long does the settlement process take?” The Kentucky car accident settlement process follows a fairly predictable timeline, but injury attorneys don’t always explain what’s happening behind the scenes. This is why I like to personally meet with […]

Understanding Policy Limits, the Coots Procedure, and Underinsured Motorist Claims in Kentucky One of the most common misunderstandings I see in serious injury claims arising from car accidents is this: “If the other driver’s insurance offers their policy limits, doesn’t that mean they’re off the hook?” The short answer is no—and in many cases, accepting that […]

Below is a summary that ChatGPT provided me with regarding how fault affects Kentucky car wreck cases.  In Italics, I have put my comments wherein I thought AI got it right or wrong in describing the law regarding Kentucky automobile accidents. Going Against the At-Fault Driver in a Kentucky Car Accident (Fault, Negligence, and Pain-and-Suffering […]

So, this is the problem. If you were at fault for the wreck, and it appears you were, then you can’t recover on the claim for pain and suffering.  It is not the kind of case I would handle but, this is what you need to do. First, call your own insurance company and if you […]

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When Contingency Fees Are Not Really What They Seem When it comes to car wrecks, the attorney fees of most firms are contingency based. This means that the injury firm charges a percentage of the total amount recovered as their attorney fee instead of an hourly rate. However, you should be aware of the following […]

When you have a car wreck involving multiple vehicles, the legal concept of negligence is still the key to proving which driver was at fault and recovering your damages.  It’s why we focus on determining fault in a multi-car collision.  What do I mean by this? Assume you have a collision involving four vehicles at […]

To be clear, no-fault insurance, or med-pay coverage, does not require you to go a specific doctor or get pre-authorization.  Rather, the Kentucky Motor Vehicle Reparations Act says that if the treatment is reasonable and related to the injuries sustained in the car wreck, the PIP carrier, a.k.a. the no-fault insurance company, owes coverage for […]

If you’ve been injured in an automobile collision, your medical bills will add up quickly.  This is especially true if you are still treating.  If those medical expenses exceed the other person’s insurance limits, are we letting the at-fault driver off the hook if we settle for their policy limits?  We are not. The Kentucky […]

I decided to us AI (a.k.a. artificial intelligence) to make a point I’ve about the inadequate limits of car insurance.  Essentially, the Kentucky Motor Vehicle Reparations Act was passed in 1975 and still today.  It’s the governing law for all motor vehicle wrecks that happen in Kentucky.  That act, also known as the KMVRA, established […]

As an attorney, I really do not encourage you to give a recorded statement without your attorney.  When insurance companies ask for such a statement, it’s their standard procedure.  In response, I usually ask why they need it. For example, if you were hit by a drunk driver, in the rear-end of your vehicle while […]