Frequently Asked Questions
An accident can require you to deal with many problems, and many lawyers of insurance, that you may never have known existed before you were injured.
- The liability insurance that is carried by the person responsible for the accident;
- The no fault/PIP insurance that attaches to the vehicle in which the injured party was traveling (or by which the injured party was struck if a pedestrian or cyclist).
- A typical auto accident victim in Kentucky will have immediate problems with medical expenses, pain and suffering, inability to work and/or to carry on usual daily activities, damage to automobile and future needs.
The possible sources of recovery available in such a situation include:
- The personal assets of the person responsible for the accident, if insurance is inadequate;
- The health insurance of the accident victim or the family of the victim
- The underinsured or uninsured motorist coverage of the accident victim and the victim's family members;
- Many other insurance and personal assets are available in unique situations, such as the policies that cover corporate employers of accident victims and of those responsible for accidents.
We handle injury cases on a contingency fee basis. This means it costs you nothing to contact us. If we take your case, we only get paid once there's an award (e.g. verdict or settlement) at the end of the case. In accordance with KBA regulations, we must inform you that case and court costs may be the responsibility of the client. However, our firm has a Fee Free Guarantee for injury cases. There's information about this at the bottom of our Home page.
Criminal cases are typically handled on a hourly or flat-fee basis. You'll want to speak directly with one of our lawyers about your case, so we can determine how much your specific case would cost. Handling traffic tickets and DUIs are much different than defending high-level charges at trial.
- If you have been injured in an accident in Kentucky, and the driver of the vehicle that you were riding in - even if it is you - has insurance, then in most cases, you will have what is called "no fault" or PIP (personal injury protection) insurance.
- This insurance is in addition to the insurance that allows you to recover from the person who is at fault for the accident, and it is immediately accessible, without any determination about who is at fault.
- It will pay, with minimum insurance, up to $10,000 of your immediate expenses such as medical bills, lost earnings (up to a limit per week) and other out of pocket expenses such as prescriptions and transportation.
- We can help you get set up with that insurance immediately, and we will charge you nothing whatsoever for that assistance if we take your case.
Honest and professional. Kept me in the loop every step of the way. I would recommend Attorney Hessig to anyone looking to recoup their losses after an accident.