Car accidents happen everyday on the roads and highways of Kentucky.
No matter how safely and defensively you drive, other drivers on the road could be driving negligently and recklessly.
Every time you get into a vehicle there is a risk that you might be injured in a crash. In recent years, there have been over 25,000 car accidents every year in Kentucky. Of those accidents, over 600 involved a fatal car accident. If you have been injured in an automobile accident, the best thing to do is to contact an experienced Louisville car accident attorney in order to have your questions answered and get the compensation you deserve.
If you have been injured in a car crash due to someone else’s negligence, you may have significant medical bills. Some car crash injuries can be quite serious, requiring months or even years of treatment, including surgeries, hospitalization stays and long rehabilitation. So, who pays for these bills that could be in the hundreds of thousands of dollars? Under Kentucky law, there is a priority of insurance coverage and the law dictates who pays first. What is surprising to most people is that the at-fault driver’s insurance policy is not the first to have to pay; the person who caused the crash and injuries is not the first priority.
Under Kentucky law, there is a priority of insurance coverage and the law dictates who pays first.
Personal Injury Protection insurance coverage
If you were unfortunately injured in a car crash then one of the first thing you should do is contact your automobile insurance company and report the claim and get a PIP application so that you can get a PIP claim number. Thereafter, your medical providers can send their billing to your insurance company.
In Kentucky, most drivers have what is called Personal Injury Protection (PIP) insurance coverage on their own car. PIP covers medical bills and lost wages up to the policy limit. If that dollar amount of the policy limit is not enough to cover all of an accident victim’s medical bill, then you go down through the various policies that are available in the following priority:
If you were hit by a negligent driver and you and your passengers were seriously injured, if the at-fault driver had only the bare minimum amount of insurance coverage, there would only be a total of $50,000 to compensate all accident victims for their injuries, including medical bills, lost wages and pain and suffering. How can you protect yourself against this horrible scenario?
You need experienced, effective help from the injury attorneys at Hessig & Pohl
Uninsured and Underinsurance Policies
Uninsurance and Underinsurance (UM/UIM) insurance policies are policies that you purchase yourself when you buy automobile insurance. This type of insurance protects you if the at-fault driver has no insurance or if the at-fault driver does not have enough insurance.
How does it work? This scenario can help explain the process:
You can file a UIM claim regardless of whether the at-fault driver has coverage
In fact, in order to recover full compensation for your injuries, you would have to file a UIM claim against your own insurance company. Even though it is your insurance company, they would now step in the shoes of the defendant and litigation would have to be filed against the company assuming the case could not settle. The same would happen if the at-fault driver had no insurance. Therefore, the best practice is to make sure you purchase the UM/UIM coverage at sufficiently high levels just in case you are involved in a scenario like this.
Contact us through this website, or call our office at (502) 777-1111.
Should You Talk to the Insurance Company?
If you have been injured in an automobile accident due to the negligence of another, you may be contacted by insurance adjusters. The conventional wisdom is that it is best not to speak with insurance adjusters because their goal is to resolve the claim for as little as possible. If the negligent driver’s insurance company calls you, there is no good reason to talk to them without first having an experienced Kentucky personal injury lawyer sitting next to you. Often, these adjusters will call you and ask if you will give a recorded interview over the telephone. If you agree, what you say can be manipulated and used against you in the lawsuit to ensure you are compensated fairly for your injuries.
Now, it recommended that you talk to your own insurance company. In fact, you actually need to in order to establish your PIP claim so that your medical bills can be paid. However, do not agree to any recorded statement without first hiring a lawyer to represent you and ensure that your interests are represented and protected.
Car Accident Frequently Asked Questions
Can I Afford a Louisville Car Accident Lawyer?
Quite simply, the answer is “Yes.”
One of the reasons Hessig & Pohl is a popular choice among Kentucky accident victims is that our representation does not cost you anything out-of-pocket. In fact, we will not bill you for our services unless we are able to help you recover the compensation that you deserve. If we can help you obtain compensation for your injuries, we will receive a percentage of the award. This is an important consideration for many accident victims because under this arrangement you will not need to pay any expenses up front. Instead, we cover all the necessary expenses, and only if we are successful will we recoup these costs. The result is that you do not take on any financial risk by retaining our services.
Remember to ask about our Fee Free Consultation
No Fee Unless You Win
There is no downside for you to retain us. The insurance companies will have an army of lawyers, investigators, and adjusters on their side fighting to pay you as little as possible. You need a team of professionals looking solely out for your best interests.
If you or a loved one has been involved in a car accident in the Louisville area, you need experienced personal injury lawyers on your side. Hessig & Pohl is ready to help you. Contact us though this website, or call our office at (502) 777-1111. The initial consultation is free.