A motor vehicle accident can have a devastating impact on you and your family. If you or a loved one has been injured, contact our firm to schedule a consultation with an experienced personal injury attorney.
Information About Motor Vehicle Accident Claims
After a motor vehicle accident, victims can be at a loss about what to do next. Do you understand the difference between a property damage claim, loss of use claim or a claim for Personal Injury Protection? Most people don't since they have never had to deal with this situation before.
I am Jim Desmond, an attorney who handles only motor vehicle accidents. I enjoy what I do so it is not difficult for me to work hard at it or put enthusiasm toward your case. I am not like some attorneys who will promise you with the world and tell you sorry six months later when they can't deliver. Instead, I ask you simply for the OPPORTUNITY to show you what I can do for you and in turn, I promise you straightforward, solid legal advice.
Some information about motor vehicle accident claims appears below. Your case however, is unique. What are you waiting for? The insurance company has already started their investigation. Isn't it time for us to hit this ball out of the park? I am ready to take the swing so be the coach and make the call. I am waiting to hear from you.
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In a accident case, there may be multiple sources of compensation, including health care insurance, PIP coverage and uninsured / underinsured motorist coverage. I always seek to obtain maximum compensation for my client from all possible sources. Whether these other coverages apply can depend upon many different factors. Let's discuss things before you walk away from money you did not know you were entitled to. For example, I had a motorcyclist injured once by an uninsured driver. We were able to get an insurance policy from a scooter to apply which provided him with another $25,000 in uninsured motorist benefits.
Careful case preparation and strong advocacy can shorten the accident claim process. Desmond Law Offices acts quickly and prepares claims thoroughly, so that my clients get compensation on a timely basis. Very simply, you don't want to go months without knowing what is happening on your case and who is working your case. Unfortunately, this happens a lot with many other firms who utilize paralegals. With me, you deal directly with me. If you are not getting the answers you need, I will sit down with and again outline my game plan for your case. At the end of every case, I ask every one of my clients to give my name out to their family and friends if they were happy with my services. Consequently, I know what is at stake and the last thing I am going to do is let you walk away without thoroughly understanding the strengths and weaknesses of your claim.
* The Kentucky State Bar requires me to say that COURT COSTS AND CASE EXPENSES WILL BE THE RESPONSIBILITY OF THE CLIENT.
No-Fault Insurance
When a driver has been in an accident, no-fault auto insurance allows the driver to collect from his or her insurance company no matter who was at fault. Not every state has a no-fault insurance structure, but those that do have very specific laws governing when, how much and for how long the injured party may collect. Consult with an attorney from Desmond Law Offices in Louisville, Kentucky, to discuss how your state views fault and to determine how the laws may affect your right to recover damages for injuries.
How No-Fault Insurance Works
No-fault insurance is a system in which auto insurance pays benefits the insured driver in case of an accident. The insurance compensates the insured driver for monetary losses, no matter who was at fault. This is contrary to systems in which the at-fault driver’s insurance company must pay the bulk of the compensation after an investigation and determination of fault by the insurance companies or the courts.
The system is designed to streamline the process of payments to injured people and to lower the burden on the courts. Under the no-fault insurance system, it can be more difficult to sue an at-fault driver for damages; the insured typically must have been quite seriously injured in order to take such legal action. On the other hand, monetary recovery for the insured is more certain under no-fault insurance because the compensation is immediately available through the insurance policy of the injured party. No-fault insurance policies often have a cap on the compensation they will pay.
The no-fault insurance system prevents injured parties from receiving a windfall due to the accident, but it also ensures compensation no matter who caused the accident. In a no-fault state, the other driver will also receive compensation from his or her insurance company if that driver sustained certain economic losses. The specifics of no-fault insurance laws vary widely by state.
Personal Injury Protection (PIP)
If you have a no-fault insurance policy, it is probably called a personal injury protection (PIP) package. PIP insurance pays for the medical expenses of the insured driver and the passengers who were injured in an auto accident. PIP insurance typically covers things like medical bills, wage loss and funeral expenses, but not pain and suffering or vehicle damage. This varies by state and particular insurance policy. The PIP packages have limits on what they will pay.
Speak with an Attorney
How you handle the situation after a motor vehicle accident can make a significant difference in your monetary recovery. Dealing with insurance companies can be especially tricky. In addition, the no-fault and fault insurance systems vary widely by state. Speaking with an attorney from Desmond Law Offices in Louisville, Kentucky, will help to clear up the confusion these systems can cause.
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DISCLAIMER: This site and any information contained herein are intended for informational purposes only and should not be construed as legal advice. Seek competent legal counsel for advice on any legal matter.
