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Jim Desmond Law Office,PLLC

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In Kentucky, holidays usually mean 3-day weekends and a possible road trip.  We have one coming up on Monday.  Unfortunately, with all of the drivers on our roads, we also have a high likelihood of Memorial Day accidents. There are reasons why holidays can spike the number of automobile collisions and even traffic fatalities.  It may be that in an…Read More

Did you know Louisville has about 150,000 dangerous cars on the road?  In a recent news story, Wave 3 reporter Eric Flack did a story on why drivers aren’t aware, or aren’t taking action, when their cars are part of a recall. Manufacturers issue recalls after a safety issue has been identified.  This may have to do with a defective…Read More

Spring has definitely arrived in Kentucky.  Summer will be here before you know it.  Is your motorcycle ready for the road trip?  If you haven’t had time to get your bike out of the garage, remember that there are a few things you should consider. Many of the motorcycle training programs mention the acronym T-CLOCS.  It was created by the…Read More

What does it mean to stack insurance coverage in a Louisville area injury accident under Kentucky or Indiana Law?  Kentucky law allows stacking of uninsured and underinsured motorist benefits depending upon how the insurance policy is written. Indiana does not allow insurance policies to be stacked. Simply put, stacking refers to recovering insurance polices from more than one applicable policy.…Read More

To explain ERISA (The Employee Retirement Income Security Act of 1974) and how it affects your medical bills and financial recovery in a simple fashion can be challenging, but its important to understand.  ERISA is the law that governs the rights of health insurance carriers. If your medical bills from injuries in a car accident were paid by health insurance of…Read More

Car accidents in Kentucky and Indiana are rarely "straight forward."  Each case is unique and the circumstances, witnesses, and even applicable laws are different based upon where and how the crash happened.  Insurance companies will always try to minimize the amount the pay, and that is usually at the expense of someone who is hurt.  This is why you need…Read More

How do I value my personal injury claim after a car, truck or motorcycle accident in the Louisville area? First and foremost, the only one who can give you a reasonably accurate value for your personal injury claim is an experienced personal injury lawyer that has looked at all your medical records and bills. Therefore, anyone who promises you they…Read More

Underinsured Motorist Insurance Can Help when the Settlement is not Enough Why is underinsured motorist insurance so important in Kentucky and Indiana?  I had a personal injury case settle the other day wherein I had represented my client previously.  As much as we had discussed at length the particulars of his personal injury claim, I had obtained his authority to…Read More

I filed a lawsuit against a drunk driver this week because the liability carrier presented me with a lousy offer on my client’s personal injury claim. For you as a consumer, the interesting part is how a personal injury claim interacts with the criminal charges of being intoxicated while operating a motor vehicle. The facts of the car wreck were…Read More

As a general rule, if I give you my car keys, you have my insurance coverage protecting you.  My insurance coverage, referred to as the security covering the vehicle, is generally primary and your insurance coverage is secondary in that it only comes into play if my coverage becomes exhausted. So if you drink too much alcohol one night and ask…Read More

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