Motor Vehicle Accidents

Car crashes are a major source of personal injury and wrongful death in Kentucky; sadly, most accidents would not have happened if the driver responsible had been more careful. In some cases, the other driver was driving under the influence of alcohol. In Louisville, the attorneys at Ewing & Willis help accident victims and their families hold negligent drivers accountable for their negligence and collect a fair amount of compensation for their injuries and expenses. Recovering compensation for an auto accident in Kentucky often involves the interplay between both no-fault and fault-based insurance.

In 2015, Kentucky saw 136,338 traffic collisions reported on public roads. These accidents resulted in 23,803 injuries and 694 fatalities.

What Is No-Fault Insurance?

Under Kentucky's no-fault insurance system, you can recover up to $10,000 on your personal injury protection (PIP) insurance (or more if you carry higher coverage) for medical expenses, lost wages and other out-of-pocket expenses, without having to prove that the accident was the other driver's fault. However, you may be able to sue the at-fault driver, if your damages exceed the insurance amount and one of the following criteria apply to you:

  • You incur more than $1,000 in medical expenses.
  • You suffer a certain type of fracture.
  • Your injury causes permanent disfigurement.
  • Your injury is permanent.
  • Your injury results in the permanent loss of a body function.

Suing The At-Fault Driver For Damages

If your injury meets one of the criteria above for a serious injury, or if you had previously rejected no-fault insurance, then you may be able to proceed with a claim or lawsuit against the driver responsible for causing the accident. The other driver should be carrying at least $25,000 in liability insurance for bodily injury damages, as required by Kentucky law. Sometimes the other driver's insurance is inadequate, and sometimes the other driver is uninsured, despite the law requiring insurance. In these situations, your own uninsured motorist/underinsured motorist (UM/UIM) coverage may be used.

Get Help With Louisville Car Accident Claims

Making a claim against the other driver means negotiating a settlement with their insurance company, and taking them to court if a fair settlement can't be reached. At Ewing & Willis, our lawyers are experienced courtroom litigators. We prepare your case for trial from the very start and are always ready and willing to go to court if necessary to get the best result. If you need help accessing no-fault insurance benefits or obtaining a recovery from a negligent driver in a Louisville car accident, contact Ewing & Willis online or call us at 502-694-7420 for a free initial consultation with dedicated and experienced Louisville personal injury attorneys.