Jim Desmond Law Office,PLLC

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(502) 694-1888

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

Jim Desmond Law Office,PLLC

Insurance Issues

This has been an interesting week because I received several phone calls from individuals who caused a car accident AND were not properly insured at the time of the car wreck. Now these callers are at risk of a Default Judgment and more.  In a nutshell, the problem is that since they did not have valid car insurance at the…Read More

With the onset of Spring, motorcycles are back on the road in Kentucky. In fact, Kentucky has over 100,000 motorcycles registered.  It is estimated that nationwide over 80,000 motorcycle wrecks occur a year.  So how does the injured motorcyclist get his or her medical bills paid when Kentucky law only requires that a driver carry at least $25,000 per person…Read More

Someone posted a great question on a message-board I belong to.  Essentially, the person felt that they had a slam dunk case against their own uninsured motorist coverage.  For this reason, they questioned whether they should keep their personal injury attorney or fire him and save the contingency fee. I loved the question because it brings up so many areas…Read More

It is not surprising that personal injury lawyers have a less than perfect reputation. Every time you turn a television on, you see television commercials promising “big checks” or ”making the other guy pay.”  However, those ridiculous slogans are not really what personal injury law is all about. The legal system only allows you to recover money for the damages…Read More

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 a Kentucky uninsured driver loophole.…Read More

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 to involve the most serious…Read More

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 with the Jefferson Circuit Court. …Read More

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, the liability coverage on the…Read More

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? For example, assume you have just…Read More

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 be responsible for fixing my…Read More

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