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 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? 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 injured in a car crash then one of the first thing you should do is contact your insurance company and report the claim and get a PIP application so that you can get a PIP claim number.
In Kentucky, most drivers have what is called Personal Injury Protection (PIP) insurance coverage in the insurance policy that covers their own car. PIP covers medical bills and lost wages up to the level that is on the policy. If that dollar limit is not enough to cover every 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, and the at-fault driver had merely the base level of insurance coverage, there would only be a total of $50,000 to compensate you and your passenger for your injuries 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 order to recover more money for your injuries, you would have to file a UIM claim against your own insurance company. Even though it is your insurance company, it would 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. If the negligent driver’s insurance company calls you, there is no good reason to talk to them without first having an experienced Louisville car accident 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 is ok and recommended that you talk to your own insurance company. You have 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 fight for your best interests.
How much will it cost to hire an accident lawyer?
At Hessig & Pohl, it won’t cost you anything.
If you have been injured in a car crash and you need a car accident lawyer, you won’t have to pay us anything up front. Even the consultation is free. We do not charge you an hourly rate. The only way we get paid is if we are successful in winning fair compensation for your injuries and pain and suffering. You won’t even have to pay litigation expenses up front. We will pay the expenses necessary to win your case.
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.