Navigating the car accident claim process after a severe collision in London, Kentucky, is challenging. Advocating for yourself is hard when you’re combating the daily struggles of managing bills and your physical recovery.
The stress and burden of the claim process can drive many people to settle for a quick resolution to their claims. In the eyes of the insurance company, that is an ideal situation because they can offer you less than the fair value of your claim, hoping you’ll be desperate enough to take it.
At the law firm of Morgan, Collins, Yeast & Salyer, we understand the immense challenges London car accident victims face when seeking meaningful compensation for their injuries and financial losses. Hiring a London car accident lawyer from our firm is the best way to protect your legal rights and pursue the money you deserve.
Are you ready to learn more about how our London car accident attorneys can help you resolve your claim in the most favorable way possible for your circumstances? Contact Morgan, Collins, Yeast & Salyer today and request a free legal consultation. We are ready to review your situation and walk you through the steps we take to help you seek total compensation for your injuries.
Qualities to Look for in a London Car Accident Lawyer
At Morgan, Collins, Yeast & Salyer, we understand that the legal process can feel intimidating. Our attorneys are courageous and compassionate lawyers who are intent on delivering results for our clients. For years, Kentucky car accident victims have turned to our law firm for help managing their car accident claims because we believe in treating people like people, not case numbers.
What should you look for when choosing a London car accident lawyer to help you fight for the money you deserve? A knowledgeable and experienced car accident attorney should have the following:
- A deep understanding of how insurance companies work,
- Extensive knowledge of the Kentucky legal system,
- Transparent and accessible communication,
- Full-service representation,
- Track record of results,
- Broad experience handling car accident claims and lawsuits,
- Compassion and empathy,
- Driven attitude and proactive approach to handling your claim,
- The Kentucky Courage (Morgan, Collins, Yeast & Salyer) must take on insurance companies and win.
At Morgan, Collins, Yeast & Salyer, we offer car accident victims a free initial legal consultation. We’ll use this time to get to know you and allow you to get to know us. We want you to feel comfortable hiring us to represent you and work towards resolving your claim.
How to Choose the Right London Car Accident Lawyer for Your Case?
You want to choose the right London car accident lawyer to represent you. Building the foundation for a solid car accident claim takes communication and cooperation. You want to work with someone who understands and cares about your unique situation and treats you like a person instead of just another case.
First, do your research. Look for a car accident firm with an impressive track record of results and experience handling the City of London, Kentucky, car accident claims and lawsuits. Reputation is a large part of the legal industry, and you want to work with an attorney who has earned the respect of their former clients and community. Ask friends and family for referrals and review firm testimonials.
Communication is vital to navigating the claim process. You’ll also want to choose an attorney based on their communication style. Is the car accident attorney transparent about the process and their fee structure? Are you able to reach them when you have questions? Do they update you about the status of your claim? From start to finish, you want to work with a responsive legal team that can help you navigate the Kentucky car insurance claim process.
Request a free legal consultation and ask questions. During this evaluation, you can get a good idea of what working with a particular law firm will be like. Remember, a consultation allows an attorney to review your claim and outline your legal options, but it also gives you the chance to assess their qualifications and get a feel for what it will be like working with them.
The Process of Filing a Car Accident Claim in London, KY
Kentucky has a unique car insurance system, making filing a car accident claim challenging if you don’t understand the rules. Kentucky is one of the rare states that follows a “choice no-fault” car insurance model. In a choice no-fault system, most drivers turn to their own auto insurance provider to compensate them for their losses, regardless of who is to blame for causing the collision. No-fault car insurance means your personal injury protection coverage pays for medical bills, lost wages, and some other expenses following an accident.
However, the choice of a no-fault model means Kentucky drivers can opt out of the no-fault system when purchasing car insurance. When individuals opt out of no-fault coverage, they preserve their right to file a personal injury lawsuit against an at-fault driver. Conversely, that driver also opens themselves to litigation if they are responsible for causing an accident.
Individuals with no-fault policies can also sue an at-fault driver, but only when the accident results in at least $1,000 in medical expenses or causes permanent disfigurement, broken bones, permanent injury, or death.
With no-fault insurance, you must file a claim with your insurance provider using the guidelines outlined in your specific policy. In either situation, our attorneys can help you navigate the process, manage deadlines, and handle communications with the insurer.
Car Accident Laws in London, KY
Car insurance coverage is mandatory in Kentucky. In addition to no-fault coverage, motorists must maintain minimum liability insurance. Drivers must have:
- PIP unless they choose to opt-out
- $25,000 for injuries per person for a single accident
- $50,000 total for all injuries in a single accident
- $25,000 for property damage
Individuals moving to Kentucky must also apply for vehicle registration within 15 days in the county where the individual lives.
People involved in car accidents should also be aware of the state’s unique statute of limitations, the state law that limits the time you have to file a lawsuit. Car accident lawsuits generally fall under the umbrella of personal injury cases. However, Kentucky employs a separate statute of limitations specifically for car accident injury lawsuits that works with the state’s no-fault car insurance rules.
Victims of London car accidents have two years from the accident date to file a car accident injury lawsuit or longer, depending upon when no-fault claim payments are made. If an individual fails to file their lawsuit in the allotted legal timeframe, their case faces dismissal by the court.
What to Expect During a Car Accident Lawsuit in London, KY
Filing a car accident lawsuit in Kentucky may feel daunting. However, having a responsive London car accident lawyer can make all the difference. Our attorneys can walk you through the legal process and update you on what to expect as your case progresses.
First, your attorney thoroughly investigates the cause of the collision, gathering and preserving evidence to build a compelling case. If negotiations stall between your attorney and the insurer, filing a car accident injury lawsuit may be the best method for recovering the money you deserve.
Discovery is the process of gathering information to build a case and sharing that information with the opposing party. Discovery is often the longest part of the car accident lawsuit process. It gives both sides time to review all evidence and pertinent information. Based on the strength of the information uncovered during discovery, the parties may decide it would be beneficial to re-engage in settlement negotiations before the case moves to trial.
Most car accident lawsuits settle out of court. An aggressive attorney can be instrumental in negotiating for maximum compensation from the insurance company.
If negotiations fail, your attorney will prepare your case for trial, where both sides present their evidence and argue their case. Most often, a jury decides the outcome. Kentucky is a pure comparative fault state. That means the amount of money you recover from a lawsuit can be reduced by the same percentage of fault you bear for causing the collision.
Our attorneys stand ready to help you understand and prepare for the legal process and ensure you know what to expect. After a collision, talk to a knowledgeable London car accident attorney at Morgan, Collins, Yeast & Salyer about all your legal options for recovering compensation.
Hire an Experienced Auto Accident Attorney in London, KY
You don’t have to argue with aggressive insurance adjusters alone. Our London car accident lawyers want to help. At Morgan, Collins, Yeast & Salyer, we know the tactics insurance companies use to intimidate injured people into accepting settlements below the fair value of their claims. We fight back against these tactics, providing you with responsive legal representation.
We want to recover the maximum compensation possible for your injuries and financial losses while you focus on your recovery. Give yourself peace of mind by hiring an experienced car accident attorney in London, Kentucky, today. Contact our office to arrange a FREE personalized consultation now.
