A car accident can cause significant injuries and disrupt your household finances. The National Safety Council says the average economic cost of a car accident with evident injuries is $42,000 and with disabling injuries $162,000. Add a value for lost quality of life, and the accident cost projections rise to $232,000 for evident injuries and more than $1 million for disabling injuries.
If you’ve been injured in a car accident that wasn’t your fault, you shouldn’t have to bear the accident costs on your own. The driver who caused the car accident and their insurer should be financially liable to those who have been injured. However, insurance companies often dispute car accident claims to try to pay out as little as possible.
You should talk with an experienced personal injury attorney after any car crash that wasn’t your fault. The car accident lawyers at Morgan, Collins, Yeast & Salyer can review the circumstances of your accident and help you understand your legal options and how we can assist you. You may have a right to demand compensation for your medical bills, lost wages, pain and suffering, and more. Schedule a free consultation with a Kentucky Courage attorney.
What Is Considered No Fault in Kentucky?
Kentucky auto insurance laws require the owners of cars and trucks registered in the state to have Personal Injury Protection coverage. This is often referred to as no-fault insurance because it provides coverage regardless of who was at fault for the crash.
After an accident, you must file a claim with your Personal Injury Protection policy. A basic PIP policy in Kentucky pays up to $10,000 for medical expenses per person, plus lost wages and survivor’s benefits if someone is killed in a motor vehicle accident.
The problem is that $10,000 is inadequate to cover many car accident injuries. If your losses exceed your PIP insurance coverage limits, you may be able to seek compensation from the at-fault driver. Our personal injury lawyers can evaluate whether you have the option of filing a lawsuit against the at-fault driver and their insurance company.
If you need to pursue a claim, then you need a car accident attorney on your side.
Why Hire a Lawyer If It’s Not Your Fault?
As your car accident attorneys, our job involves gathering evidence to develop your personal injury claim and negotiating with insurance companies on your behalf for fair compensation. We have decades of experience pressing car accident claims on behalf of clients.
We know how insurance companies work. They are focused on paying the least amount possible to settle injury claims and protect their profits. They know how to craft a lowball settlement that looks like a generous offer.
Our approach as personal injury attorneys is to first establish the other driver’s responsibility for the accident and then to prove the full extent of your losses — the compensable harm you have suffered.
We will document every loss the accident has cost you – from medical bills to lost wages to pain and suffering and future medical treatment expenses. We wait until you have reached maximum medical improvement to make sure we have a full understanding of your future medical needs.
When we have documented every penny of your costs and losses covered by insurance, including evidence of your pain and suffering, we present the other driver’s insurance company with your demand for compensation along with proof of liability. A demand letter on Kentucky Courage letterhead shows the insurer that you are ready to fight for maximum compensation.
How a Car Accident Lawyer in Kentucky Can Help
Engaging Morgan, Collins, Yeast & Salyer to handle your Kentucky car accident claim puts experienced car accident attorneys in your corner to negotiate aggressively and demand maximum compensation for you.
Most car accident cases are settled without going to trial. Our attorneys will advise you of any settlement offer and make our recommendation about whether it’s reasonable. It will be your decision whether to accept the offer.
If the insurer refuses to offer an acceptable settlement, we will file a lawsuit on your behalf and be prepared to take a strong case to court.
Our goal is to recover a settlement or a jury award that makes you financially whole after a car accident. We handle cases on a contingency fee basis. We charge a legal fee only if we recover compensation for you. Our fee is contingent on our recovering money for you. If we do not recover compensation for you, we do not collect a fee.
When To Hire a Lawyer
We suggest contacting a car accident lawyer as soon as possible after being injured in a car accident that wasn’t your fault. At Morgan, Collins, Yeast & Salyer, we offer a free consultation to help you gain an understanding of your legal options.
If you engage us promptly, we can gather evidence pertaining to your car accident while it is still fresh. This is helpful because evidence does degrade and can eventually be lost forever.
Another important reason to begin work on a car accident claim as soon as possible is that Kentucky’s statute of limitations requires us to file a lawsuit within two years of the date of the car accident. Building the case behind a lawsuit is time-consuming, and insurance companies have many ways to drag the process out.
The sooner we get started on your car accident claim, the better. Remember, there are no upfront costs for you.
Contact a Not-At-Fault Accident Lawyer in KY Today
A car accident lawyer from Morgan, Collins, Yeast & Salyer can help you evaluate your options if you were injured in an auto accident that was caused by another motorist. Our mission is to help Kentuckians who have been hurt and need a trusted advocate to fight for their best interests. We have recovered more than $400 million for injured people in difficult situations just like you.
Don’t count on the insurance company to look out for you. Contact us today for your free consultation. Our Kentucky Courage attorneys are ready to fight for you.
