AUTOMOBILE ACCIDENTS

First appointment free. No obligation. All inquiries confidential.
No Recovery No Fee.
Court costs and case expenses are the responsiblity of the client only if we win or settle the case.


If you have been in an automobile accident it is important that you have a lawyer to sort out who you have a claim with and what the claim is worth. There are multiple types of insurance that can be payable after an automobile accident and the amount of each varies.

FREQUENTLY ASKED QUESTIONS

WHY DO I NEED A LAWYER IF I HAVE BEEN IN AN AUTOMOBILE ACCIDENT?
If you have been in an automobile accident it is important that you have a lawyer to sort out who you have a claim with and what the claim is worth. There are multiple types of insurance that can be payable after an automobile accident and the amount of each varies.

WHAT ARE DAMAGES?
Damages are losses that resulted from the accident. They include medical bills, lost wages, pain and suffering, property damage, and future medical expenses among other things. Your damages determine what your claim is worth.

WHAT ARE THE TYPES OF INSURANCE?
WHAT IS NO-FAULT INSURANCE?
This is insurance you purchased which pays for your medical bills and a small amount of lost wages. It is also known as Basic Reparations Benefits.

WHAT IS BODILY INJURY?
Every insurance policy has Bodily Injury insurance (BI) which will pay for injuries to another person. If you are injured, this is the main type of insurance you will try to collect your damages from.

WHAT IF THE OTHER DRIVER IS UNINSURED OR DOES NOT CARRY ENOUGH INSURANCE?
Your insurance policy may have Uninsured Motorists Insurance or Underinsured Motorists Insurance (UIM) which will pay for your injuries in the above instances.

WHAT SHOULD I DO IF I HAVE BEEN IN AN ACCIDENT? (Printable version to keep in car)
  1. Help the injured.
    • Stop serious bleeding.
    • Help the injured to safety.
    • Use judgment moving an injured person, it could harm him.
    • Call 911 for an ambulance.
    • If the injured is cold, cover him with blankets or coats.
  2. Call the police (911).
  3. Make every effort to prevent further accidents.
    Have a flagman warn approaching vehicles. Warn the flagman to be careful not to be run over. If at night, the flagman must have a flashlight. Put out flares and reflectors.
  4. Do not move your car or any debris until the police tell you to, unless it creates the hazard of another accident.
  5. If you are injured go to the hospital.
    • Go to the emergency room if you are injured or experience any pain immediately following the accident.
    • If you experience pain or other symptoms within days or weeks after the accident, see your doctor or go to the hospital.
  6. Discuss the accident only with the police, your insurance company, your lawyer, and no one else.
  7. Exchange with all witnesses:
    • Names
    • Addresses
    • Phone numbers
  8. Exchange with other drivers:
    • Names
    • Addresses
    • Phone numbers
    • Insurance information
  9. Tell the investigating officer, if you believe the driver of the other vehicle is under the influence of drugs or alcohol.
  10. Take photographs of:
    • the scene
    • the damage to your vehicle
    • your injuries (in the hospital and as you heal)
  11. Promptly report the accident to your insurance company.
  12. Telephone a lawyer experienced in personal injury cases.
    Lawyers handle most accidental injury cases on a contingent fee basis. They are only paid if they win your case and you collect.

HOW LONG DO I HAVE TO FILE A CLAIM?
There is a time limit on how long you have to file a claim. Generally you have two (2) years to file a lawsuit in an auto accident claim, but in some cases or parts of cases, you only have one (1) year. For this reason you should contact a lawyer without delay.

WHO DO I HAVE A CLAIM AGAINST?
You may have claims against multiple insurance companies. It is important that you have a lawyer to sort out who you have a claim with and what the claim is worth.

WHAT IF I WAS A PASSENGER AND WAS INJURED?
In addition, if you are a passenger, you may be able to collect damages from several insurance companies.

DO I HAVE A WORKER'S COMPENSATION CLAIM?
If you were injured in an automobile accident while working, you may also have a worker's compensation claim.

WHAT IF I AM PARTLY AT FAULT IN THE ACCIDENT?
Even if you are partly at fault in the accident, you may be paid for part of your damages. This is known as Comparative Negligence.

WHAT IS COMPARATIVE NEGLIGENCE?
This means that even though you may be partially at fault, you can be paid for a part of your damages. For example if your damages were $100,000 and you were 50% at fault, you would be entitled to receive $50,000.

Conversely, if you were 25% at fault in causing damages of $100,000, you or your insurance company would pay $25,000.

WHAT IS STACKING?
If you have two or more automobiles, you may stack (add together) certain coverages on each automobile so that you have two or more times the coverage on an accident. Stacking is permitted with Uninsured Motorists Insurance (UM), Underinsured Motorists Insurance (UIM), and Added Reparations Benefits (ARB). It is not permitted with Bodily Injury (BI), Basic Reparations Benefits (BRB), collision, comprehensive or property damage insurance.

WHY DO I NEED A LAWYER IF THE OTHER INSURANCE COMPANY HAS ALREADY OFFERED ME MONEY?
The insurance company is not on your side. They will try to settle your claim for the lowest possible amount. You should consult with an attorney experienced in automobile accidents to see what your claim is worth and if an insurance company's offer is fair.

WHAT DO I DESERVE FOR MY CLAIM?
You deserve to be paid for medical expenses, lost wages, pain and suffering, property damage, future medical expenses, future lost wages, and future pain and suffering among other things.

The amount you receive depends upon the seriousness of your injuries, your losses, the amount of insurance involved, and the skill of your lawyer.

WHEN SHOULD I CONTACT A LAWYER?
As soon as you know you are seriously injured and you or a family member are able to talk to a lawyer.

Serious injures are those involving broken bones, surgery, lost limbs, herniated discs, ruptured discs, extensive hospital stays, loss of vision and death. Pictures of you in a cast or in the hospital help make your case worth more money by showing how serious and dramatic your injuries are.

WHAT SHOULD I BRING TO THE LAWYER'S OFFICE?
When you come for your first visit it is important to bring any information you have about the accident or your injuries. These items include:
  1. Police accident report
  2. Medical records
  3. Medical bills
  4. Pictures of your injuries
  5. Pictures of the accident
  6. Letters or business cards from any insurance company
  7. Your insurance policy or declaration sheet

We do not expect you to have all this information on your first appointment. Although this information is very important, we can start your case without it. Just bring what you have.

HOW LONG DO I HAVE TO FILE A CLAIM?
There is a time limit on how long you have to file a claim. Generally you have two (2) years to file a lawsuit in an auto accident claim, but in some cases or parts of cases, you only have one (1) year. For this reason you should contact a lawyer without delay.

Hiring a lawyer will help you get the settlement you deserve. At Al Miller Law Offices your first appointment is FREE so call us at 270-754-5502 for an appointment. If you decide to hire us, you will not pay your attorney's fees until you win your case. Court costs and case expenses are the responsiblity of the client only if we win or settle the case.

ALL APPOINTMENTS ARE CONFIDENTIAL AND WITHOUT OBLIGATION.


[ About Us ] [ Contact Us ] [ Directions ] [ Home ]



All Information and Design
Al Miller © 1990-2004
webmaster@almillerlaw.com
No copying, re-printing or use without written authorization.
This website is for informational purposes only. The law is too complicated to be fully explained in any website. The law must be applied to the particular circumstances at hand. All information is based on Kentucky law.

DO NOT use this website as a substitute for a lawyer. Consult a lawyer of your choosing. We hope you will choose us.


This is an advertisement.