Jim Desmond Law Office,PLLC

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4965 US HWY 42, SUITE 1000, LOUISVILLE, KY 40222

Jim Desmond Law Office,PLLC

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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

With the onset of the summer, more motorcycle riders can be found on the roads.   According to the Insurance Institute for Highway Safety, there were about 8.4 million motorcycle riders on the road in 2014 and 4,586 motorcyclists died from wrecks that same year.   Of the 4,586 that were killed in a motorcycle crash, 39% were not wearing helmets.  Further,…Read More

I wanted to give you a tip generally about all areas of the law.  All areas of the law focus on what you can prove!  Unless we are dealing with expert testimony (e.g. doctors, accident reconstructionist, etc.), the law really is not concerned about theories or opinions.  As a result, documentation, in all areas of the law, is a huge essential to…Read More

I thought I would share with you some interesting points that I learned when I spoke to my own automobile insurance company about adding an elderly driver. In short, my father is going to be staying with me for a while.  So the question was whether he should keep his own car insurance or rather, eliminate his car insurance and…Read More

Someone brought up a good point to me recently regarding personal injury settlements. In short, most personal injury settlements are inclusive of the medical bills or medical liens. For Kentucky car wrecks, one of the few exceptions is Kentucky no-fault carriers. Settlements are generally exclusive of the no-fault lien which means that they do not include the bills paid by…Read More

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