Auto Accident Attorneys Serving Clients in and around Louisville, Kentucky, and Jeffersonville, Indiana
Car accidents can take a devastating toll on the people involved. If you are injured in the crash, the physical, emotional, and financial ramifications can be overwhelming. Unfortunately, the insurance company is not on your side when it comes to your recovery.
After a car crash, insurance companies are principally concerned with protecting their profits, not paying you what is right. This is why it is so important to hire an experienced car accident lawyer if you have been hurt.
The Karl Truman Law Office has extensive experience in a wide variety of motor vehicle accident claims. You can count on our firm to pursue maximum compensation on your behalf while always acting in your best interest.
The Impact of Kentucky Car Accidents
According to a five-year survey released by the Kentucky Transportation Center, over 177,000 drivers were injured and more than 3,700 people were killed in car accidents in the Bluegrass State. The research concludes that the cost of car accidents in Kentucky just for one year is $11.1 billion.
Common Causes of Car Accidents
A host of different factors lead to car accidents involving serious injury and death. Our lawyers have experience with cases arising from many forms of driver negligence, including:
- Texting while driving, talking on the phone, and other forms of distracted driving
- Driving while intoxicated or under the influence of drugs
- Failing to yield
- Following too closely
- Defective vehicle parts or design
- Defective roadways
- Reckless driving
- Driving while fatigued
- Poor weather conditions
In many of these cases, the at-fault party is the driver who engaged in reckless behavior. However, sometimes one or more parties may be liable for the accident:
- The driver’s employer, if he or she was driving within the course of employment
- Automakers and manufacturers of defective vehicles and parts
- Government agencies and contractors that build defective roads or fail to maintain safe driving conditions
- Bars and liquor stores that overserve an intoxicated person who later causes an accident
- In Indiana, “social hosts” may also be liable for giving a guest too much alcohol
The Karl Truman Law Office will investigate and identify all liable parties in your case. Then we will pursue the full damages you deserve from all of the parties that caused your injuries.
Distracted Driving Accidents
Distraction is one of the major causes of accidents today. Most people associate distracted driving with texting and driving or talking on the phone, but not all crashes where distraction was a factor involve a mobile device.
Virtually anything can create a dangerous distraction, including:
- Reading a map
- Viewing a GPS device
- Eating or drinking
- Reaching for something on the floor or another seat
- Emotional or intense conversations with passengers
- Adjusting audio controls
- Personal grooming
Any form of distraction can limit the manual, visual, or cognitive skills a driver needs to operate a vehicle safely.
Drunk Driving Accidents
In Kentucky and Indiana, it is illegal to drive with a BAC (blood alcohol content) of .08 or higher. Even before this point, however, a driver’s judgment, reaction, visual acuity, and other key capacities may all suffer, increasing the risk of a serious accident.
Driving drunk or under the influence of drugs presents a serious threat to everyone on the road. It is an innately careless action that can result in serious car accidents. The Karl Truman Law Office is proud to help victims of drugged and drunk driving accidents pursue the maximum compensation they deserve.
Crashes Caused by Defective Vehicles
Some car accidents are due to another form of negligence: motor vehicle defects or faulty components. Lawsuits related to product liability issues are generally based on one of several factors:
- That the vehicle’s design made it unreasonably unsafe, such as older-model sports utility vehicles (SUVs) that were prone to rollover accidents
- That the manufacture of the vehicle or vehicle components was flawed, or the vehicle or part reached consumers with another defect that made it dangerous
- That the manufacturer or automaker failed to warn the public about a known defect or safety risk
Defective passenger vehicles and faulty vehicle parts contribute to thousands of car accidents and injuries every year. Common vehicle defects and faulty components that result in accidents include:
- Fuel systems
- Steering systems
Our law firm has the resources to determine if a manufacturer is responsible for a vehicle defect that led to your car crash.
Common Car Accident Injuries
As a leading cause of serious injury and death, car accidents can impact victims’ lives in many different ways. Although the injuries you suffer may vary, the effects can change your life long-term or even forever.
Some of the most extreme injuries we see in car accident claims include:
- Traumatic brain injuries
- Spinal cord injuries
- Whiplash and other neck injuries
- Back injuries
- Broken bones and other orthopedic injuries
- Damage to internal organs
- Amputation injuries
- Burn injuries
- Scarring and disfigurement
Extensive treatment is often necessary for these injuries, and most require ongoing rehabilitation. As a result, the lifetime costs can be enormous.
If you were injured in a car accident that wasn’t your fault, you shouldn’t have to bear these expenses on your own. The attorneys and staff at the Karl Truman Law Office make it their mission to achieve the just compensation you deserve for your car accident injuries.
Car Accident Compensation
It is important to understand that no two car wreck cases are alike. All of the circumstances, from the cause of the crash to the injuries you suffer to the damages you have sustained, are unique to you, and it is impossible to get an idea of the amount of compensation that may be available in your case unless you speak to a lawyer.
With this in mind, the compensation that may be available in your car accident claim includes:
- Medical care costs, including emergency treatment, surgeries, and hospital stays
- Lost wages from the time you missed from work
- Loss of future earnings, based on what you stood to make if the accident hadn’t disrupted your career
- Costs associated with physical therapy, occupational rehabilitation, and other ongoing care
- Expenses you incur to modify your home or vehicle
- Pain and suffering
- Mental and emotional anguish
If your loved one died in a car accident, our lawyers can pursue compensation via a wrongful death lawsuit on your family’s behalf. This money may not ease the pain of losing someone you love, but it can help address some of the economic and non-economic burdens family face after an unexpected death, including:
- Loss of wages
- Expenses for medical and palliative care your loved one received before passing
- Funeral, burial, and cremation costs
- Loss of companionship and guidance (loss of consortium)
Punitive damages may also be available in fatal and non-fatal accidents in cases where the crash was caused by extreme negligence or a willful intent to cause harm. Though awarded fairly rarely, juries in Kentucky and Indiana have the option to award additional compensation in the form of punitive damages as a means of penalizing the defendant and preventing future wrongdoing.
What to Do after a Car Accident
1. Seek Medical Treatment
If you were injured in the collision, getting treatment is the first logical step. After yourself and your passengers, be sure to call 911 so rescue workers can be dispatched to the scene.
After assessing your injuries, paramedics may release you or recommend that you receive emergency treatment. It is important for you to follow their recommendations.
Even if you aren’t transported to the hospital by ambulance, you should see a doctor or visit the emergency room as soon as possible. Timely intervention is key not only to your well-being after the accident, but to the integrity of your legal claim as well.
2. Give a Statement to the Police
When you call 911, ask a police officer to respond to the scene of the accident. When the officer arrives and asks you for a statement, be sure to respond to the questions as fully and accurately as you can.
The police report prepared by the officer may be a major asset in building your car accident claim. Be sure to get the officer’s name, badge number, and the precinct or station where you can request a copy of the report.
3. Exchange Information with the Driver
When speaking with the other driver (or drivers, if multiple are involved), it is important to be calm and collected. Limit your comments to gathering their contact information, the license number on their vehicle, and their insurance information.
Do not apologize or say anything that suggests you may be at fault for the accident.
4. Interview Witnesses
If any bystanders saw what happened or stayed at the accident scene, approach them and ask if they will tell you what they saw. Take notes or record this informal “interview” on your phone, and be sure to get their contact information.
The testimony of these witnesses may prove helpful as we build your case and develop a strategy to prove the other driver was at fault for the accident.
5. Survey the Scene of the Accident
It is in your best interest to document conditions as they are at the scene of the crash. Crucial evidence is removed fairly quickly, witness recollections can change over time, and your own memories may be foggy as you deal with the aftermath.
Hard evidence such as photographs and video, however, is permanent and consistent. Images of your injuries, damage to your vehicle, evidence on the road, and more will serve as a compelling record of the effects of the accident.
Once you follow the steps above, you should consider contacting an experienced car accident lawyer as soon as possible. Victims in an auto wreck may face many pitfalls without representation; if you say the wrong thing or sign something without fully understanding what it means, you may forfeit the compensation you need to recover from your injuries.
The No-Fault Car Accident Law in Kentucky
As a no-fault state, Kentucky requires the people involved in an accident to submit claims for medical bills through their own insurance. Even drivers who are at-fault in a crash have a right to have their medical bills paid through their own insurance company, subject to the limitations of their policy.
Drivers in Kentucky are required to carry a minimum of $10,000 in personal injury protection (PIP). By purchasing the mandatory minimum amount of coverage, you – as well as any passengers who are injured in your vehicle at the time of the crash – have access to up to $10,000 for medical bills (or more, if you purchase additional PIP insurance).
Under the Kentucky no-fault laws, you can pursue a car accident claim against the at-fault driver if you meet the following thresholds:
- Your medical bills from the accident total $1,000 or more
- The accident resulted in:
- Permanent injury
- Permanent loss of a body function
- Permanent disfigurement
- Fracture of a weight-bearing bone
- The compound, compressed, or displaced fracture of any bone
Unfortunately, in some cases the at-fault driver does not have auto insurance, or they don’t carry sufficient coverage for the damages you have sustained. In these instances, our lawyers can pursue an uninsured or underinsured accident claim to get you the compensation you need.
Compensation for the death of a loved one in a car accident is not available through no-fault insurance. You will need to hire an experienced wrongful death lawyer to pursue damages on your behalf.
Is Indiana a No-Fault State?
Indiana has not instituted a no-fault policy. As a result, if you were injured in a car accident case in Indiana, you will pursue a claim through the at-fault driver’s insurance.
This can be a daunting process. Even if the other driver was completely at fault, the insurance company will try to find any opportunity to avoid paying your claim. As such, it is crucial to contact an experienced car accident lawyer who can counsel you on how to protect your rights.
How Karl Truman Law Office Can Help After a Car Accident
Car accident cases may seem straightforward at first, but they can quickly become complicated. One of the biggest sources of frustration for victims is dealing with insurance companies, which tend to put up numerous roadblocks to compensating you fairly for your injuries.
When you hire the Karl Truman Law Office, you can count on us to handle communications with the insurance company on your behalf. We always act in your best interest, and we will keep you informed on the status of negotiations with every development.
We know how insurance companies work, including their tactics to shift blame away from an insured to the victim in an accident. Our lawyers and staff prepare for these scenarios by performing diligent investigation of the accident. We will thoroughly review any materials you present to us, as well as the police report, accident reconstruction summaries we commission, and more.
Many car accident cases are resolved via settlement before they ever see the inside of a courtroom. However, if we cannot arrive at a settlement agreement that meets your needs, we are willing to fight on your side at trial.
Contact Our Car Accident Lawyers Today
In Louisville, Kentucky, and Jeffersonville, Indiana, as well as throughout the Ohio River Valley of both states, the Karl Truman Law Office has a reputation for results and quality, hands-on service. Our client reviews regularly cite the compassion, knowledge, and integrity of our team in why they choose our firm.
7 Fatal Mistakes That Could Wreck Your Auto Case
Seven Fatal Mistakes That Could Wreck Your Auto Case is written in plain English, without the complicated legal language. It is a tool to be used by consumers to warn them of the pitfalls in the injury claim process and to educate them on the mistakes in pursuing their own injury case. It will be a valued aid for everyone forced to fight the big insurance companies to get benefits they deserve.