Motor Vehicle Accidents
If you were involved in a motor vehicle accident, you may be entitled to financial compensation for your pain and suffering, medical bills, property damage, prescription drug costs, rental car expenses, lost wages, loss of enjoyment of life, and permanent or partial disability. In Kentucky, drivers are required to maintain insurance to pay for their negligence. If an at-fault driver does not have enough insurance to cover your losses, your own insurance policy may pay the difference.
Additionally, whether or not you were at fault, you may be entitled to some benefits. If you maintained legally-required "no-fault" insurance, you have the right to up to $10,000 for medical expenses and lost wages, without having to go to court.
A motor vehicle accident can have devastating, long-term effects. Recovery can be a long and difficult road. The pain may be disabling. Your vehicle may not be drivable. Your employer may be threatening to fire you for not coming back to work. At a time when you may need to work the most, you can't work. To add insult to injury, bill collectors may start hounding you for payment and threatening to damage your credit, in violation of the Fair Debt Collection Practices Act or Fair Credit Reporting Act. In some cases, the insurance company may wrongfully deny payment of disability benefits or medical payments, in violation of Kentucky's Consumer Protection Act or the Insurance Code.
For these reasons, hiring an attorney with expertise in the laws of personal injury, employment, debt collection, and consumer protection is very important. Zachary Taylor and Nina Couch are attorneys that will evaluate and address each aspect of your case to ensure all your legal rights are protected. Zach and Nina pride themselves on delivering effective, prompt, and professional service to every client, every matter, every time. Call (502) 625-5000 today for a free consultation.
Post wreck to do list:
- Take pictures of any damages to yourself, the vehicles involved in the wreck, and if possible, the scene of the accident.
- During this time, do not give any recorded statements to any insurance companies
- Speak with an attorney.
- Taylor Couch, PLLC has had tremendous success in representing car wreck victims against other drivers and even their own insurance company. Contact us today so we can fight for you.
- Let us help you file a claim against the insurance company to recover benefits from the wreck.
- This does not necessarily mean that you have to file a legal complaint against someone. An insurance claim for benefits is separate from a court filing.
Many people don’t know what UM and UIM coverage is, nevertheless understand their importance. Uninsured Motorist coverage (UM) protects you in the event that you were involved in a car wreck with someone without insurance. In that case, you would seek reimbursement for your damages from your own insurance company. Similarly, Underinsured Motorist Coverage (UIM) protects you in the event that you’re involved in a car wreck with someone who does not have adequate insurance to cover your damages.
Most insurance policies only provide $25,000 coverage for damages. Unfortunately, this amount is not always enough to cover damages sustained in a wreck. In this case, you would seek the maximum amount of coverage from the at-fault driver, and then seek damages from your own insurance company for any amount over the at-fault driver’s policy limits. Carrying UM and UIM coverage is not a large expense, and could prove to be a life saver. Both UM and UIM must be purchased before the wreck and many people do not even know that they have it.
If you’ve been in a wreck, please contact us today so that we can speak directly to your insurance company to see what benefits you’re entitled to.PIP Benefits
What are PIP benefits?
Personal Injury Protection benefits, also known as PIP, is money provided to you by the insurance company that covers the car you are in at the time of the accident. Because Kentucky is a no fault state, PIP benefits are readily available for you so that you may treat your injuries immediately instead of waiting for liability to be determined. PIP benefits generally provide $10,000 to cover medical treatment and lost wages that you incur as a result of the wreck. PIP benefits may differ depending on the insurance policy.
How to apply
To exercise your PIP benefits, you will have to apply for them with the insurance company. Because dealing with insurance companies is not something most people do on a regular basis, the best way to apply for PIP benefits is to contact an attorney and let them help you along the way.
What does reserving benefits do?
PIP benefits can be reserved for certain treatments. For instance, if you know that you will need physical therapy as a result of the wreck, you can reserve a certain amount of the $10,000 specifically for physical therapy. Otherwise, PIP benefits will be paid out on a first come, first serve basis. Unfortunately, this may mean that if you have high medical bills from an emergency room visit or surgery, then you may not have benefits left for your physical therapy treatment.Tractor Trailer
Many wrecks are caused by tractor-trailers. Due to the magnitude of these vehicles, the wreck usually results in very high damages. Fortunately, the company that the truck driver is working for is usually liable for the actions of their employee. In these cases, the insurance policies may be higher, which means you may be able to recover more money to compensate you for your damages.
If you’ve been in a wreck involving a tractor-trailer, please contact us immediately so that we can make sure you are adequately reimbursed for your damages and help make sure you can pay for the treatment you need.