Louisville Accident And Injury Blog

What does it mean to stack insurance coverage in a Louisville area injury accident under Kentucky or Indiana Law?  Kentucky law allows stacking of uninsured and underinsured motorist benefits depending upon how the insurance policy is written. Indiana does not allow insurance policies to be stacked. Simply put, stacking refers to recovering insurance polices from […]

To explain ERISA (The Employee Retirement Income Security Act of 1974) and how it affects your medical bills and financial recovery in a simple fashion can be challenging, but its important to understand.  ERISA is the law that governs the rights of health insurance carriers. If your medical bills from injuries in a car accident were […]

Car accidents in Kentucky and Indiana are rarely “straight forward.”  Each case is unique and the circumstances, witnesses, and even applicable laws are different based upon where and how the crash happened.  Insurance companies will always try to minimize the amount the pay, and that is usually at the expense of someone who is hurt. […]

How do I value my personal injury claim after a car, truck or motorcycle accident in the Louisville area? First and foremost, the only one who can give you a reasonably accurate value for your personal injury claim is an experienced personal injury lawyer that has looked at all your medical records and bills. Therefore, […]

Underinsured Motorist Insurance Can Help when the Settlement is not Enough Why is underinsured motorist insurance so important in Kentucky and Indiana?  I had a personal injury case settle the other day wherein I had represented my client previously.  As much as we had discussed at length the particulars of his personal injury claim, I […]

I filed a lawsuit against a drunk driver this week because the liability carrier presented me with a lousy offer on my client’s personal injury claim. For you as a consumer, the interesting part is how a personal injury claim interacts with the criminal charges of being intoxicated while operating a motor vehicle. The facts […]

As a general rule, if I give you my car keys, you have my insurance coverage protecting you.  My insurance coverage, referred to as the security covering the vehicle, is generally primary and your insurance coverage is secondary in that it only comes into play if my coverage becomes exhausted. So if you drink too much […]

I wanted to give you a tip generally about all areas of the law.  All areas of the law focus on what you can prove!  Unless we are dealing with expert testimony (e.g. doctors, accident reconstructionist, etc.), the law really is not concerned about theories or opinions.  As a result, documentation, in all areas of the law, […]

I thought I would share with you some interesting points that I learned when I spoke to my own automobile insurance company about adding an elderly driver. In short, my father is going to be staying with me for a while.  So the question was whether he should keep his own car insurance or rather, […]

In regard to  personal injury settlements, most personal injury settlements are inclusive of the medical bills or medical liens.  So, if you are trying to resolve a claim from an automobile wreck without an attorney, you have to realize that any personal injury settlement includes all of your medical bills. However, for Kentucky car wrecks, one of […]

In twenty years of practicing law, there have only been two times wherein I have viewed photographs from a car wreck that have truly grossed me out.  The second time was this week and was from a client whose open wound took about 9 months to heal.  While the at-fault driver only had the state […]

I just got out of a deposition this morning and the client did pretty well. However, defense counsel pulled out and questioned her about 9 posts from Facebook that had nothing to do with her injuries or the lawsuit. Basically, there were a lot of inferences based upon events or statements that someone would not […]