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Louisville Personal Injury And Insurance Litigation Law Blog

Our attorneys fight insurance companies for our clients

When you have suffered damages, injuries or losses that should be indemnified by an insurance company -- yours or an at-fault individual's or entity's -- you don't deserve to be given short shrift.

However, insurance companies are profit-driven business models with bottom lines maintained by paying the least amount of money to the fewest claims possible. It's vital to understand that these companies are actively working against claimants' best interests despite what their representatives may say.

Injuries from motorcycle accidents can be very costly

Injuries and deaths arising from motorcycle accidents can be very costly; not only in the physical and emotional damage suffered by riders and their families, but also in monetary costs. A report from the Government Accountability Office estimates that costs from motorcycle crashes reached $16 billion in 2010, and will continue to rise as health care costs soar.

 The report noted that 82,000 riders were injured across the United States, with 4,500 riders losing their lives to traffic accidents. The average cost of each fatal accident was reported at $1.2 million, while costs for injuries ranged from $2,500 to $1.4 million based on how severe the injuries were. 

3 reasons truck drivers crash on the roads

You were driving to work when it happened. The truck driver in the lane next to you decided to merge, but he didn't use his turn signal. Worse yet, the negligent driver didn't see you there, driving right next to him.

The next thing you know, you're in the hospital after a serious crash. Witnesses called an ambulance for you, and you were rushed to the hospital with serious head injuries.

Regulating self-driving cars may be easier after recent crash

A recent car crash may cause stronger regulation for self-driving vehicles. A driver that failed to give right-of-way to a self-driving SUV caused the collision, causing the SUV to flip onto its side. Fortunately, the two test drivers riding in the vehicle did not suffer serious injuries. Police issued the other driver a citation. The self-driving program was quickly suspended in areas across the country.

Before the accident, regulators were already demanding greater transparency and reporting standards for the self-driving program. At this time, ride-sharing companies such as Uber only have to carry the minimum liability car insurance for self-driving vehicles. Furthermore, they do not have to keep records about accidents like the one mentioned above.

Car insurance claims: Don't do these things

Were you recently involved in a motor vehicle accident? If so, you realize that you will need to report this to your insurance company as soon as possible.

Before we go any further, here is something you should always remember: Your car insurance company is not always on your side. Even if you have a good relationship with your insurance agent, this person is always working in his or her best interest.

Will you be hit by the uninsured driver?

If you're in a car accident where the other person was at fault, you would expect that person's insurance to pay the costs of your medical treatment and other damages. But that's not what happens when the other driver is uninsured.

According to the Insurance Information Institute, in 2012, the last year for which there is data, 15.8 percent of Kentucky's drivers were uninsured. That means that for every 10 drivers on the road, between one and two were uninsured. What happens if you get hit by an uninsured driver? If that happens, paying for the ambulance ride, surgeries, lost wages-that all becomes your problem--unless you have purchased additional uninsured motorist (UM) coverage for your car insurance policy. 

Fall-related injuries are unusually common in Kentucky

Whether you realize it or not, there are seemingly hundreds of ways to hurt yourself on a daily basis. While advances in safety and awareness have reduced the likelihood of injuries in all walks of life, not even the most cautious of planners can prevent all accidents. When thinking about how to reduce accidents in our state, Kentuckians should focus on fall-related injuries.

According to Amina, a data-based healthcare company, fall injuries are unusually common in Kentucky compared to other states. The Bluegrass State was the only state in the country that had an unusually high number of fall-related injuries as documented by health insurance claims. 

3 steps to take after a bicycling accident

You were riding down the street in the bike lane when you were suddenly hit by a force from behind. You found yourself rolling over the top of a vehicle before landing hard on the street. You know you have a broken leg, and you feel like you have many cuts and bruises.

You are not the first person to be involved in a bicycling accident like this one. Drivers who don't pay attention on the roads impact cyclists who are obeying traffic laws, putting them at risk of serious, life-threatening injuries.

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Ewing & Willis
6009 Brownsboro Park Blvd. Suite B
Louisville, KY 40207

Phone: 502-694-7420
Fax: 502-585-5858
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