The Kentucky Uninsured Driver Loophole

The legal requirement, per Kentucky law, that your car must have insurance coverage.  Anyone who has read one of my blogs or has visited my website, www.AttorneyDesmond.com, has probably heard me preach about having at least $100,000 per of uninsured motorist coverage on both their automobile insurance and their motorcycle insurance.  Nevertheless, it appears there’s … Continued

Supreme Court on Motorcycle Insurance

Think you have the right motorcycle insurance coverage? According to the Kentucky State Police in 2016, they were 1,841 wrecks involving motorcycles.  While this is only a small percentage of the total number of car wrecks in Kentucky in 2016.  I try to give a lot of legal advice about motorcycle accidents as they tend … Continued

Filing a Lawsuit Against an Uninsured Driver

I filed a lawsuit against what appears to be an uninsured driver this weekend.  The Jefferson County Clerk has set it up so I can file a Complaint, the document that starts a lawsuit electronically from my computer.  However, the filing fee for a lawsuit tends to cost me about $198 for each lawsuit filed … Continued

Finding Layers of Insurance Coverage

Imagine for a second that insurance coverage is like baking a cake with several layers. Ideally, each layer leads to and is on top of the next layer so that when you finish baking the cake, you can apply the icing.  For a serious car wreck, your medical expense coverage would serve as the base, … Continued

When Insurance Totals Your Car

  In a recent blog post I started talking about some of the issues that come up when your car is damaged in a car wreck.  However, the one issue I did not get to is when the insurance company tells you that your vehicle is totaled or a total loss. So, what happens when insurance totals your car? … Continued

Using Collision Coverage

As a personal injury lawyer, I preach a lot about getting your medical bills paid and recovering your claim for pain and suffering from the insurance company for the at-fault driver. However, what about the damage to your car? What does my collision coverage actually cover?  What about a rental car? Who is going to … Continued

Is Your Motorcycle Ready for the Road Trip?

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.  … Continued

ERISA and Health Insurance Subrogation Claims

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 … Continued

How Do I Protect Myself in These Circumstances?

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. … Continued

Why is Underinsured Motorist Insurance Important?

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 … Continued

I GET IT! I understand that if you have been injured in a car wreck, you don’t know what to do!

You have friends telling you to contact their attorney, insurance companies telling you don’t need a lawyer and twenty injury attorneys on television promising you checks.

This is why you can reach me on my call phone, NOW! 502-609-7657