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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.

Hessig & Pohl Louisville Injury Attorneys

Medical Bills

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:

1 | PIP coverage on your own insurance automobile policy

2 | PIP coverage on the vehicle in which you were riding as a passenger

3 | Any individual health insurance policy that covers you

4 | The liability policy that covers the at-fault driver’s policy

5 | Underinsured insurance policy on your own vehicle due to the liability policy of the at-fault driver is not enough

What if the at-fault driver has no insurance?

Despite Kentucky law requiring all vehicles to be insured, there are instances where some drivers let their insurance lapse. Once that happens, there is no insurance policy that will cover whatever injuries or damages that driver might cause. Another problem occurs when the at-fault driver has insurance coverage but it is not enough to cover your injuries. Kentucky law sets the bare minimum amounts of insurance coverage that car owners in Kentucky must purchase:

Louisville personal injury lawyer

$50 Thousand

bodily injury for all persons per accident

Louisville personal injury lawyer

$25 Thousand

bodily injury per person per accident

Louisville personal injury lawyer

$10 Thousand

for property damage coverage

Louisville personal injury lawyer

$10 Thousand

personal injury protection (PIP) for medical bills & wage loss.

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

Protect Yourself

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:

Assume you were involved in a car crash caused by someone else’s negligence.

You were seriously injured in that crash and had to undergo significant treatment and had serious pain and suffering.

Under these facts assume your case against the other driver would reasonably be worth $500,000.

The other driver’s liability bodily injury limit on his insurance is only $50,000 — not enough. Here a UIM policy comes in.

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.

Louisville personal injury lawyer

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 is my car crash worth?

This a complicated questions and the answer is affected by many variables. But only one thing is true: You will not be able to the full amount of damages that you deserve without first contacting an experienced Louisville car accident attorney. Only with a lawyer fighting for your rights will you be as successful as possible.

The variables that will affect how much money you can expect to recover are the following:

Seriousness

The seriousness of your injury and length of your treatment

Will there be any aspect of your injury that is permanent such as scarring or will there be a full and complete recovery?

Medical Bills

The amount of your medical bills

This includes past medical bills, as well as medical bills that you might incur in the future that are related to your car crash injuries.

Lost Wages

Any lost wages it is determined you would have earned

As with medical bills, this number counts both past lost wages as well as future loss wages due a lower earning power caused by an ongoing disability.

Pain & Suffering

The amount of pain and suffering you have endured

These are non-economic damages and can be difficult to define numerically. The best way to determine this number is to hire an experienced lawyer who has handled Kentucky car accident cases.

Ticketing

Your access to insurance coverage

You have access to the at-fault driver's insurance, up to the policy limits, and any underinsurance or uninsurance you possess, even if you have suffered injuries an average person would agree should be worth millions of dollars.

Call 911

5

Important things to do after a Kentucky car wreck

Being in any kind of car accident can be a traumatic, jarring experience, especially if you have been injured. Many people who are involved in serious crashes actually lose their memory of the impact.

Try to keep your head straight and focus on doing these 5 things after the crash:

Call 911!

Call 911 as quickly as possible. Even if you are not hurt, call because others might be injured. Police and first responders should get there as fast as possible in order to direct traffic to prevent another, secondary accident. Also, you want the police to begin an investigation into the crash and to locate witnesses and take statements.

Collect insurance information

5

Important things to do after a Kentucky car wreck

Being in any kind of car accident can be a traumatic, jarring experience, especially if you have been injured. Many people who are involved in serious crashes actually lose their memory of the impact.

Try to keep your head straight and focus on doing these 5 things after the crash:

Get insurance information

If the other driver has insurance, get the insurance company name, address, policy number and phone number. If an insurance card is given to you, note whether the policy is still in effect. The best practice is to take a picture of the insurance card so the the information is accurately recorded. Once you have this information, you can give it to your auto accident lawyer.

Document what happened

5

Important things to do after a Kentucky car wreck

Being in any kind of car accident can be a traumatic, jarring experience, especially if you have been injured. Many people who are involved in serious crashes actually lose their memory of the impact.

Try to keep your head straight and focus on doing these 5 things after the crash:

Document the accident

Take a lot of pictures! Write your own statement of what happened and how. Get names and addresses and phone numbers of all of the possible witnesses so that your attorney can contact them to get statements as soon as possible. As time passes, people's’ memories fade.

Get treatment

5

Important things to do after a Kentucky car wreck

Being in any kind of car accident can be a traumatic, jarring experience, especially if you have been injured. Many people who are involved in serious crashes actually lose their memory of the impact.

Try to keep your head straight and focus on doing these 5 things after the crash:

Get treatment

If you believe you were injured, seek medical help as soon as possible. Getting medical treatment immediately after an automobile accident will also help establish your injury, if you have one.

Contact an experienced car accident attorney

5

Important things to do after a Kentucky car wreck

Being in any kind of car accident can be a traumatic, jarring experience, especially if you have been injured. Many people who are involved in serious crashes actually lose their memory of the impact.

Try to keep your head straight and focus on doing these 5 things after the crash:

Contact an experienced car accident attorney

Don’t try to negotiate with the insurance company on your own. Contact an experienced Kentucky car accident attorney who knows the value of cases and can help you walk through the minefield of personal injury litigation.

Louisville personal injury lawyer

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.

Client Testimonials

Marty fought for me when the insurance company denied my claim. We sued and got the insurance limits.

- JERAMY

Hessig & Pohl worked hard to get the best possible results for me. I have and would recommend their firm to anybody in need of legal assistance.

- MARISSA

Mr. Pohl settled my claim when another law firm wasn’t able to…He’s the man for the job!

- TINA

Hessig & Pohl is a great law firm in my book. They’re fast, reliable, and always resourceful in solving all of your legal matters.

- DEVIN

Rick comes from an investigative background and he brings that valuable experience to his law firm clients. Call Rick for your legal needs in the greater Louisville area.

- DON

This firm is fantastic. They made everything so easy and stayed in contact. Adam handled my case – if I could choose 2 words to describe him it would be intelligent and genuine.

- RACHEL

Rick and Marty, along with their awesome staff, have been more than great help while handling multiple legal issues for me!

- BEN

I have nothing but wonderful things to say about this law firm. They handled my husband’s car accident case with a lot of compassion and care. Rick came to the hospital the very same day of the accident and throughout the process, he took the time to listen to my family’s concerns. We truly felt like we didn’t have to worry about anything. I highly recommend Hessig and Pohl!

- JENNIFER

This is the way to go if your looking for a professional injury attorney to help you recover what you deserve. I would use them again!! Highly recommended.

- CHARLES

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.

- DEE

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