Practice Areas

Latest Blog

News

Library

Frequently Asked Questions

Below are some initial questions many clients have when they first contact Michael A. Schafer, Attorney at Law. The questions below may address many initial concerns you may have. If you don't find the answers here, you should contact us for answers to questions specific to your case. The consultation is free.

FAQ Categories:

• Auto Accidents
• Truck Accidents
• Wrongful Death and Fatal Accidents
• Motorcycle Accidents
• Bicycle Accidents
• Pedestrian Accidents
• Slip and Fall/Premises Liability
• Automobile Insurance
• General

Auto Accidents

• What Does Stacking Mean In Kentucky?
• What Happens If A Car Almost Hits Me And Causes Me to Hit Something Else?
• How do I get a rental car if I have been in a car accident?
• Should I take pictures at the scene of the accident?
• Who will pay to fix my car?
• If I am hit by somebody that leaves the scene of the accident and I don’t know who they are, is there anything I can do?
• What can I do if I have an automobile accident that is not my fault, but I do not have insurance coverage?
• Can I get in trouble if I don’t have insurance on my car?
• How long do I have to file an automobile accident case with the Court?
• What is personal injury protection “PIP” or basic reparation benefits “BRB”?
• Who will pay for my medical bills and/or loss wages if I have been in a car accident?

back to top

Truck Accidents

• How long do I have to file a truck accident case with the Court?

back to top

Wrongful Death and Fatal Accidents

• How do you begin a wrongful death case?
• What is a survival action?
• What are the different types of damages that are recoverable in a wrongful death case?
  
• How long do I have to file a wrongful death claim?
  
  
  

   

back to top

Motorcycle Accidents

• How long do I have to file an motorcycle accident case with the Court?
• Who will pay to fix my motorcycle?
  
  

back to top

Bicycle Accidents

• How soon after my bicycle accident should I contact an attorney?
• How do I pay for legal fees?
• If I was injured while riding a bike how do my medical bills get paid?
• Can I recover even if the motorist never hit me but caused me to have an accident?
• If I was hit by a car while on my bike and the car had no insurance can I still recover?
• Does my own automobile insurance cover me for accidents when I am on my bike?
• How long does it take to settle a bicycle accident case?
• What is the statute of limitations on a bicycle accident case?

back to top

Pedestrian Accidents

• How soon after my accident while a pedestrian should I contact an attorney?
• How do I pay for legal fees?
• Will I have to pay anything up front if my case goes to Court?
• If I was injured while a pedestrian how do my medical bills get paid?
• If I was hit by a car while walking and the car had no insurance can I still recover?
• Does my own automobile insurance cover me for accidents when I am walking?
• How long does it take to settle a pedestrian accident case?
• What is the statute of limitations on a pedestrian accident case?

back to top

Slip and Fall/Premises Liability

• How long do I have to file a slip and fall or premises liability case?

back to top

Automobile Insurance

• What is the Kentucky Assigned Claims Plan?
• Do I need towing coverage?
• What are Added Reperation Benefits?
• What is Uninsured Motorist Coverage (UM)?
• What is underinsured motorist coverage (UIM)?
• Should I reject or waive my Kentucky No-Fault Benefits?
• What questions should I ask my insurance agent when purchasing car insurance?
• What are PIP Deductibles and are they a good idea?
• What is a permissive user?
• When does a teenaged driver need to be listed on my car insurance policy?
• What are No-Fault Insurance, Basic Reparations Benefits and Personal Injury Protection (PIP)?
• Can I buy automobile insurance if I don't own a car?
• What is collision insurance coverage?
• What is comprehensive insurance coverage?
• Do I have insurance coverage if I am hit by a car while riding a bike, walking or even standing on the side of the road? 
• Does my personal car insurance cover a rental car?
• What discounts do car insurance companies offer?
• Does my health insurance pay for my medical bills if I am in an automobole accident?
• What are the different types of car insurance coverage?
• What is liability coverage?
• How much automobile insurance coverage should I have?

back to top

General

• Will I have to pay anything up front if my case goes to Court?
• What is a survival action?
• Who will pay for my medication?
• What does the term “no fault insurance” mean?
• What are Added Reparation Benefits?
• Are all lawyers the same?
• Should I talk to the insurance company?
• How much do you charge and do I have to pay upfront?
• The insurance company has offered me a check even though the accident happened very recently, should I accept it?

back to top

Ask me a Question

Videos

FAQs