Auto & Motorcycle Accidents
If you have been the victim of an auto or motorcycle collision caused by the fault of another, you need experienced attorneys to fight for the money you deserve. At Rogers and Driver, we handle car collision injuries that have occurred throughout Kentucky and Tennessee.
Call an attorney, before, the insurance company. The insurance company is not your friend
If you have been injured in an auto or motorcycle collision, never call the at-fault driver's insurance company. The at-fault driver's insurance company is not your friend, and, it will only hurt your case by having any communication with it. Any statement you give to the at-fault party's insurance company will be used against you. You need the advice of Rogers and Driver as soon as possible after suffering collision injuries in order to have your legal rights protected.
Rogers and Driver protects your rights.
At Rogers and Driver, as soon as you become our client we begin investigating your case. We obtain the collision report, contact witnesses, gather evidence and verify insurance coverage. To ensure that all of your rights are protected, we will look at the at-fault driver's insurance, as well as your own auto and health insurance, to maximize all insurance available.
We fight to have insurance companies pay your:
- Medical bills
- Lost wages
- Rental car payments
- Automobile/Motorcycle repairs or replacement
- treatment for all injuries caused by the Collision
- compensation for pain and suffering
- compensation for permanent impairment and disfigurement
How much automobile insurance do I need to protect my family and I?
The amount of automobile insurance you have can play a critical role in determining whether or not there is enough money through insurance coverage to fully compensate you after suffering a serious automobile collision injury. Most people have the misconception that either the at-fault party or insurance company will completely pay for 100 percent of your medical bills, lost wages, pain and suffering, and permanent injuries or the wrongful death of your loved one. The only time this is true is if there is enough insurance coverage either through the at-fault party's insurance policy or through your, or a family member's, with whom you live, uninsured or underinsured insurance policies. Because an at-fault party can file bankruptcy on any judgment obtained, other than punitive damages, any experienced injury attorney will frankly advise you that the value of your serious injury case often depends on how much insurance coverage is available. At Rogers and Driver, we maximize all insurance coverages and policies available through the at-fault party, as well as your own uninsured and underinsured insurance policies, and those of family members with whom you live.
However, it is too late after a serious automobile or tractor-trailer collision for you to purchase additional insurance coverage that will protect you for a wreck that has already occurred. There are steps you need to take today to make sure you have enough automobile insurance coverage to protect you and your family.
What types of automobile insurance pay my medical bills, lost wages, pain-and-suffering, and property damage?
- Liability insurance
This type of insurance covers the at-fault party’s automobile. This insurance will cover property damage to your vehicle and pay for a rental car. After you have finished medical treatment, your case is submitted for settlement or to a jury. The at-fault party's insurance only has to pay for either your medical bills, lost, wages or pain and suffering after a settlement or jury verdict.
- No Fault insurance
Under Kentucky law, every automobile insurance policy written must provide no fault coverage which pays for your medical bills and lost wages up to $10,000.00. No fault insurance coverage covers your vehicle or the vehicle you rode in as a passenger. No fault insurance must be used first to pay your medical bills not your health insurance, Medicaid, or Medicare. Because at the end of your case, your no fault insurance company will seek reimbursement from the at-fault party's liability insurance, do not be afraid of using your no fault insurance coverage. Insurance companies attempt to scare people from using coverage they have paid for or are entitled to use under law. Do not allow the insurance company to scare or intimidate you. Call Rogers and Driver, today, to protect your legal rights.
After the $10,000 of no fault benefits are exhausted, your health insurance, Medicaid, or Medicare will pay your medical bills. It is important to always keep your health insurance paid to cover your medical bills that can run into the hundreds of thousands of dollars for a serious injury.
- Uninsured/underinsured insurance
Even though under Kentucky law, it is mandatory that every owner and operator of an automobile must have insurance coverage, many drivers are either uninsured, in violation of the law, or underinsured.
Your uninsured insurance covers you if the at-fault driver did not have any insurance. The insurance company must offer everyone uninsured coverage; however, in the fine print, that is sometimes never explained, some people are not made aware that they are signing away their rights to uninsured insurance. Never sign away your rights to uninsured insurance coverage. You have a right to uninsured insurance coverage under Kentucky law. Failure to have uninsured motorists coverage when you have hundreds of thousands of dollars of medical bills could bankrupt you and your family.
Underinsured insurance covers you if you have serious injuries and the at-fault party does not have enough insurance coverage to fully pay for your lost wages, medical bills, and pain and suffering. The insurance company does not have to inform you about underinsured insurance coverage and often does not. However, you need to ALWAYS make sure you have uninsured coverage to protect you and your family. Failure to have underinsured motorists coverage when you have hundreds of thousands of dollars of medical bills could bankrupt you and your family.
- You need as much uninsured/underinsured coverage as you can afford
The insurance company is not your friend, it only cares about making money.
- Insurance companies sometimes fail to inform people about how much insurance coverage they need.
At Rogers and Driver, we see this daily in our serious injury cases. The insurance company makes money from the insurance premiums it charges you and makes more money when it fails to pay claims or pays less than it should. You need to take charge the next time you purchase automobile insurance and fully understand that you are entering into a contract with the insurance company. It is up to you to ask questions and make sure you know the amount and types of insurance you are going to purchase.
For example, if you are involved in a serious car collision and have $100,000 in medical bills, depending on the type of injuries you have, your claim could have a pain and suffering value of up to $100,000 to $300,000 or more.
If the at-fault party did not have car insurance, then, the only source of insurance coverage available is your own uninsured insurance policy. Unfortunately, if you had signed away your insurance coverage, then, you would not have any uninsured coverage available to pay for your $90,000 of medical bills, not covered by no fault, and if you had no health insurance. Even if you had health insurance, there would not be any money to pay for your pain and suffering damages.
Under Kentucky law the minimum uninsured coverage that the insurance company has to offer you is $25,000. This amount is NEVER enough to protect you and your family if you have been in a serious car collision.
In the above, example, it is easy to see that $50,000 or even $100,000 of uninsured would be inadequate. Never believe the insurance company when you are buying car insurance and it tells you that $25,000 uninsured coverage is enough to protect you and your family.
When the above example is applied to underinsured insurance coverage, the result is the same. Under Kentucky law the minimum coverage for liability insurance is $25,000. In the above example, if your total damages are $300,000, where is the additional $275,000 going to come from if the at-fault driver only carries the minimum liability insurance of $25,000, which most Kentucky driver's have? If you only have $25,000 of underinsured coverage, then, you are still $250,000 short of fully covering your damages.
Never listen to the insurance company when it tells you that you only need $25,000 of underinsured coverage. Purchase as much underinsured insurance as you can afford to protect you and your family before a serious, life-changing injury occurs.