Michael A. Schafer, Attorney at Law Library

The Law Library

Please click on any of these book covers to order the books in our law library. They are offered at no cost to our visitors and will be mailed to you free of cost.

This book as an aid to consumers and accident victims of Kentucky. 7 Potholes That Can Wreck Your Kentucky Accident Case outlines common mistakes people make after they have been in an accident. It explains how to avoid them and what is necessary for an accident victim to do to receive a just settlement. This book arm accident victims with the information necessary to place them on a level playing field against the insurance industry. It is his hope the consumer will be able to use this information to help receive a fair and just resolution to their accident case.

This book provides information everyone in Kentucky should know on how to buy car insurance that will protect your family should there be a tragic car accident. You will find the necessary information about coverages available when buying insurance the consumer so you can better protect your family financially should they be in a tragic or debilitating accident. You will find out what different coverages are available and what they really mean. There is also a section on important questions to ask your insurance agent when buying car insurance so you won’t get hurt twice.

When you or a loved one has suffered a traumatic loss, loss of a loved one due to accident or illness, loss of a function, loss of a relationship or any loss at all, "Am I Supposed To Feel Like This?" will offer a fundamental understanding of the stages of grief.

Library Categories:

Auto Accidents:

Taxi Accidents
Taxi Accidents require immediate action on the part of an injured accident victim. What causes taxi accidents and what can you do if you are in one.
The Schafer Law Glove Box Accident Guide
Were you injured in an accident, and do not know what to do? Get the Schafer Law Glove Box Accident Guide Kit to be prepared before an accident occurs.
Find out why the insurance industry is not on the side of accident victims in Kentucky.
Kentucky accident attorney Mike Schafer explains why accident victims need to be careful with all insurance adjusters. They may not be your friend.
Help! I Need an Attorney for my Kentucky Accident Case
In ths article Kentucky accident attorney Mike Schafer point ut some of the less obvious considerations to takeinto account when hiring an attorney to represent you and your needs.
Should Kentucky accident victims settle ther claim or goto trial in hopes of getting a larger settlement?
Experienced auto accident attorney addresses the question that all accident victims have which is it better to settle or go to trial.
If you are a resident of Kentucky and have been in an accident read this article and you find useful information about the "game plan" all accident victims need to be aware of to acquire a fair and just result in their case.
Louisville, Kentucky accident attorney Mike Schafer has written this article as an information piece to the accident victims in Kentucky. By reading it the reader will know what their game plan needs to be as well as what they can expect the game plan will be from the insurance companies. The results are different.
What Do Statute of Limitations, Discovery and IME’s in a Kentucky Auto Accident Case Mean? Experienced accident attorney Mike Schafer explains these terms.
If you have been in an accident in Kentucky let attorney Mike Schafer clear up some confusion you may have about some of the terms you will be hearing.
Experienced accident attorney guides victims on when their case should be settled.
In this article attorney Mike Schafer explains to the reader when it is appropriate to settle accident cases. He also takes the time to expain why and what needs to be in place for the best chance fort a fair settlement. Mike uses his 20 years of experience and knowledge to inform the reader about ploys the insurance industry uses.
As Soon As Possible Call Police When You have Been In An Accident
This article explains why it is necessary to call the police and get an accident report if you have been in an accident.
I Am Getting a Windfall or the Court System Is a Lottery is a Personal Injury Myth
In this article Louisville, Kentucky injury attorney dispels the myth that accident cases are windfalls for the victims.
If a person has been in an accident they should never settle their case before they have recovered from their injuries.
Reads this article to discover why an accident should wait until they have recovered from their injuries to settle their accident case.
Are Both Damages and Liability Necessary For An Accident Case?
Kentucky accident attorney Mike Schafer addresses the question most have after they have been in an accident. Do I have a case? Read further to better understand what liability and damages mean in an accident case.
Kentucky Accident Victims Are Cautioned to Read and Understand Contracts with Their Attorney
Not all attorneys charge the same for representation. Make sure when you are hiring an attorney you understand what the fee is going to be. Before you sign the contract be certain to ask questions until you understand completely to avoid an unsatisfactory outcome.
Accidents Causing Traumatic Brain Injuries May Result in Vision Issues
If you have been in an accident and now experience unexplained vision issues seek medical attention promptly. Traumatic brain injuries can cause several vision problems and commonly go undiagnosed and untreated.
PIP Application Form [PDF]
Kentucky PIP or No-Fault Application form
What Does Stacking Mean In Kentucky? [PDF]
Stacking is the term that describes taking several different insurance policies and adding them together for greater benefit amounts.
What Happens If A Car Almost Hits Me And Causes Me to Hit Something Else? [PDF]
There are many different situations that can happen and there is little uniformity to auto insurance policies in determining if there is insurance or an accident claim when a car almost hits you and causes you to hit something else. Some insurance companies have a “Contact Rule” in which there must be contact with the at-fault driver in order for there to be a recovery from your Uninsured Motorist Coverage.
Does Kentucky Need a Cell Phone Law? [PDF]
The Kentucky legislature is considering a law that would ban the use of cell phones while driving. Do the penalties adequately deter the use of cell phones while driving a car? Will the law help to prevent automobile accidents caused by inattentive drivers talking on their cell phones?
No-Fault Insurance, Basic Reparation Benefits or Personal Injury Protection (PIP) [PDF]
No-Fault Insurance, Basic Reparations Benefits and Personal Injury Protection (PIP) are different terms for the same type of Kentucky insurance coverage.This insurance coverage will pay for your medical bills and lost wages if you are in an car accident. You can collect these benefits even if the accident was your fault.
Does My Personal Car Insurance Cover A Rental Car? [PDF]
Do I have to purchase car insurance from the car rental company when I rent a car to cover me if I am in a car accident?
Top 11 Arguments Insurance Companies Use Against You To Defeat Your Personal Injury Case [PDF]
Top 11 Arguments Insurance Companies Use Against You To Defeat Your Personal Injury Case. These are excuses used by insurance companies to avoid fair and reasonable settlements because they believe your injuries where your fault
Questions You Should Ask The Insurance Adjuster [PDF]
Eight questions you should ask the insurance adjuster about your kentucky ccident case
Do You Need A Lawyer For your Car Wreck Case ? [PDF]
Factors to consider in whether you need to hire an attorney for a minor car accident case
The Do's And Don'ts Of Talking With An Insurance Adjuster [PDF]
Important information on what to do when speaking to an insurance adjuster about your accident case
What to do in an Auto Accident [PDF]

View All

Truck Accidents:

In this article the trucking industry claims that the on-board computers used by their drivers re not as risky as other distractions. Safety advocates disagree. Read and see what each side says.
Are on-board computers safe to use while driving? In this article the trucking industry feels that their computers ae safer than other distractions and that banning the use of them will not improve safety.

View All

Wrongful Death and Fatal Accidents:

Construction Zone Car Accidents
Construction Zone car accidents can be fatal to construction workers. How can these deadly accidents be avoided?
Wrongful Death in Kentucky Due to Malpractice [PDF]
Louisville, Kentucky attorney Mike Schafer explains components of wrongful death due to malpractice.
Finding Damages in a Kentucky Wrongful Death Suit [PDF]
Accident attorney Mike Schafer defines damages in Kentucky wrongful death cases.
Comparitive Negligence in Kentucky Wrongful Death Cases [PDF]
Mike Schafer,Louisville wrongful death attorney explains the meaning of comparitive negligence and what it may mean in a wrongful death case.
Wrongful Death Suits Against a Government Entity in Kentucky [PDF]
Louisville, Kentucky wrongful death attorney s the complexities in filing a wrongful death suit against a government entity.
Kentucky Attorney Explains How to Begin Wrongful Death Suit [PDF]
How to commence with a wrongful death case in Kentucky
Louisville Accident Discusses Who Can File a Wrongful Death Claim in Kentucky [PDF]
Read to see can file a wrongful death suit in Kentucky
Loss of Earnings in a Kentucky Wrongful Death Case [PDF]
Louisville, Kentucky accident attorney Mike Schafer explains loss of earnings in a Kentucky wrongful death suit.
What About Prior Medical Bills in a Kentucky Wrongful Death Case [PDF]
Wrongful death attorney Mike Schafer addresses the question of prior medical bills in a Kentucky wrongful death case
Wrongful Death Cases In Kentucky [PDF]
An overview of kentucky law and the legal process for wrongful death cases in KY

View All

Motorcycle Accidents:

Avoiding Motorcycle Accidents
Tips for motorcycle riders to avoid serious injuries in accidents
What Causes Motorcycle Accidents?
What are the major causes of motorcycle accidents and how can they be avoided?
Protective Clothing and Equipment for Motorcycle Safety
What protective clothing will best keep you from being injured in a motorcycle accident?
How Can Drivers Help Keep the Roads Safe for Motorcyclists?
In this article Mike Schafer, Louisville morotcycle accident attorney outlines tips that all drivers need to know to help keep the road safe for motorcyclists.
Prevent motorcycle accidents by answering 10 questions
In this article Louisville, Kentucky motorcycle accident attorney Mike Schafer lists tips for potential motorcycle riders to think about before determining if they are ready to ride motorcyles. Not being equipped or ready to ride can cause serious if not fatal accidents.
Learn More From Kentucky Motorcycle Accident Attorney About Motorcycle Safety Month
Louisville, Kentucky motorcycle accident attorney discusses motorcycle safety awareness month and offers insight into various aspects of motorcycle safety.

View All

Bicycle Accidents:

Is it as Important for Adults to Wear Bicycle Helmets?
This article by Louisville, Kentucky bicycle accident attorney and avid cyclists explains why it is as important for adult cyclists to wear helmets when they ride.
Classes on Bicycle Safety being Offered in Louisville, Kentucky
Three bicycle safety courses are now being offered at no cost in Louisville, Kentucky to help improve safety on roads. Find out how you can become a safer motorist or cyclist.
Are Bicycle Accidents Covered In Kentucky? [PDF]
Do you Have Insurance in Kentucky If A Car Hits Me While I Am Riding A Bike, Walking Or Even Standing On The Side Of The Road?

View All

Child Accidents:

A Minor's Negligence Is Imputed To Individual Who Signed Minor's Application For Driver's License
Is an individual liable for an injury accident a minor is in if they signed for the minor's driver's license application?

View All

Automobile Insurance:

If you have been in an accident and have a property damage claim this article offers several valuable tips in settling your claim.
Exprienced Kentucky accident attorney offers nine valuable tips for the consumer battling the insurance industry in a property damage claim.
Arm yourself for battle against the insurance company when settling your property damage claim with these tips from Kentucky accident attorney.
Here are a few tips from an experienced accident attorney that your insurnce company does not want you to have when settling your property damage claim.
Level the playing field with the insurance company by reading these tips on settling a property damage claim offered by an experienced auto accident attorney.
After many years of handling auto accident cases Kentucky attorney offers these tips to help insure a fair settlement.
The Different Ways To Get Your Car Repaired After An Automobile Accident
Kentucky accident attorney Mike Schafer explains different ways to get your car fixed after an accident by going through insurance companies.
The Kentucky Assigned Claims Plan [PDF]
The Kentucky Assigned Claim Plan is a statutory benefit that you may be eligible for if there is no other PIP coverage (Also called Basic reparation Benefits or No-Fault benefits) for which you qualify. If you are a passenger in a car that does not have insurance coverage or you are driving a car that does not have insurance coverage, then you may be eligible for benefits under the Kentucky Assigned Claims Plan. You may also be eligible if you are a passenger on a bus or in a cab and you do not have your own car insurance policy. These benefits are the exact same benefits you receive under Personal Injury Protection or Basic Reparation Benefits from car insurance purchased.
Roadside Assistance And Towing [PDF]
You may purchase towing insurance as part of your automobile insurance policy. Many private companies, such as AAA, also offer road assistance packages. Make sure that you have sufficient coverage to get your car to the repair shop of your choosing.
Added Reparation Benefits [PDF]
Added Reparation Benefits are additional medical benefits and lost wage benefits that you may purchase from your insurance company for your Kentucky car insurance policy. This will increase the amount of medical bills and lost wages that are paid by your insurance company should you be in an automobile accident. This is basically PIP benefits on steroids
Uninsured Motorist Coverage [PDF]
Uninsured Motorist Coverage (UM) is Kentucky automobile insurance coverage that pays you for your pain and suffering and your out of pocket expenses if you are in an automobile accident and are injured by a driver of a car that does not have insurance.
Underinsured Motorist Coverage (UIM) [PDF]
Underinsured Motorist Coverage (UIM) is Kentucky automobile insurance that covers you if the injuries that you have sustained in an automobile accident that was not your fault are greater than the insurance coverage of the driver of the car that hit you.
Can I Reject Or Waive My No-Fault Benefits? [PDF]
In Kentucky Basic Reparation Benefits are part of the liability package unless No-Fault Insurance is formally rejected. You do have the option to reject your No-Fault Coverage. Your insurance company must inform you of this in writing. Never, under any circumstances or for any reason, reject your rights under the Kentucky No-Fault Statute.
Umbrella Policies [PDF]
An Umbrella Policy is what I consider the best deal in insurance. It is not part of your automobile insurance policy,homeowners’ policy or a renters’ policy.Itis a separate policy from your automobile policy and generally cannot be purchased unless you have Liability Coverage on your car. Learn what an umbrella policy covers and how it works with your auto insurance if you have been in acar accident in Kentucky.
Questions You Need To Ask Your Insurance Agent When Purchasing Car Insurance [PDF]
You need to ask your insurance agent questions about your Kentucky automobile insurance policy to get the coverage that will protect you and your family if you are in an automobile accident. These include: What does this coverage mean?
How much does it cost?
How much more will it cost if I raise my limits?
Is there another company that will give me a better rate?
PIP Deductibles [PDF]
Kentucky requires Personal Injury Protection (PIP), or Basic Reperation Benefits or No_Fault Benefits be on your auto insurance policy. Many agents offer deductibles on this coverage. This is a discussion as why these deductibles are a bad idea.
When Does A Teenaged Driver Need to Be added To My Auto Insurance Policy? [PDF]
A teenage driver with a learners permit does not need to be added to a car insurance policy until they actually obtain their driver's license
How Much Automobile Insurance Should I Buy? [PDF]
you need to buy as much insurance as you can afford to protect you and compensate you fully if you are in a tragic automobile accident.
Does Health Insurance Pay My Medical Bills If I Am In An Automobile Accident? [PDF]
If you are injured in an automobile accident in Kentucky and go to the doctor your ealth insurance will pay your medical bills after your PIP benefits are exhausted.
How Do I Get A Rental Car After I Have Been In A Car Accident? [PDF]
Rental car coverage is always offered with full coverage in Kentucky car insurance policies. You cannot have this coverage if you only have liability coverage.
Eight Common Discounts Offered By Car Insurance Companies [PDF]
Discounts offered by Kentucky insurance companies to lower your car insurance rates
Comprehensive Insurance [PDF]
Comprehensive Insurance in Kentucky covers damage to your car caused by something other than a collision.
Collision Coverage [PDF]
Collision coverage in Kentucky is insurance that covers the property damage done to your automobile should you be in a car accident.
Can I Buy Insurance If I Don’t Own A Car? [PDF]
Non-owners of cars can purchase an non-owners insurance policy to protect them should they be in a car accident in Kentucky
What Is Liablity Insurance? [PDF]
Details of liability car insurance coverage, limits of coverage and the cost of raising those limits in Kentucky
What Are The Different Types Of Car Insurance Coverage I Can Buy ? [PDF]
A list of car insurance coverages available in Kentucky

View All

Newsletters:

October 2010 Newsletter [PDF]
Find out what has been going on with the folks at the Schafer Law Office.
October, 2009 Newsletter [PDF]
The October, 2009 newsletter is our "Halloween" issue. In it you will find articles on Halloween safety, social media, keeping chocolate away from your dogs and directions on how to roast pumpkin seeds.
The Schafer Law Office June Newsletter [PDF]
In this edition you will find articles on cell phone locks that prevent useage while driving, summer hair tips and an article on seatbelt safety.
February 2009 Schafer News [PDF]
November, 2008 Schafer News [PDF]
November, 2008 newsletter from The Schafer Law Office. Articles containing information on "no-fault" insurance, reading issues in children, Tomb of the Unknown Soldier and other interesting reads.
September, 2008 Schafer News [PDF]
September, 2008 newsletter from The Schafer Law Office. Articles containing information on automobile accidents, whiplash, Home Buyer Tax credit, and other interesting articles.

View All

General:

7 Potholes That Can Wreck Your Kentucky Accident Case Infographic
The 7 Potholes that can Wreck Your Kentucky Accident Case Infographic displays information and statistics about Kentucky car accident claims without a lawyer.
2010-11 American Lawyer Academy Viral Video Scholarship Contest Central Region Winner
Central Regional Viral Video Scholarship Winner Results of the American Lawyer Academy Viral Video Scholarship.
Viral Video Film Contest Regional Finalists - Central Region
Results of the Viral Video Film Contest Scholarship Central Region Finalists. Vote for the top spot in our scholarship.
2010 Viral Video Contest
Get money for school by participating in the 2010 Viral Video Contest which is hosted by the American Lawyer Academy.
Not All Personal Injury Attorneys Who Advertise Are The Same
Because an attorney advertises does not make him or her the best attorney for you nor does it make them the worst. If you have been in an accident it is important to do your homework to find the best attorney for you and your case.
Pothole Repair Sponsored by Kentucky Fried Chicken May Prevent Accidents on Roadways
Accidents can be caused by hitting potholes and losing control of your vehicle. Kentucky Fried Chicken is sponsoring a program to repair potholes in five U.S. cities.
What You Can Expect From Your Attorney In Your Personal Injury Case [PDF]
A list of what an attorney will do while they are handling your auto accident case from the time you retain an attorney throught the settlement or trial of your personal injury case
What Happens In A Personal Injury Case [PDF]
a step by step description of what happens in a personal injury case from the accident, through settlement, litigation and trial
What You Should Know About Lawyer Advertising [PDF]
What You Should Know About Lawyer Advertising explains the different types of lawyer advertising
How To Determine The Value Of A Personal Injury Case [PDF]
What Is Your Car Accident Case Really Worth? IMportant information on how the value of a personal injury case is determined.
How Insurance Companies Settle Cases [PDF]
Important information on how insurance companies settle accident cases and tactics they may use beginning with the initial contact with the accident victim
Choosing An Attorney For Your Accident Case [PDF]
Important information you need in choosing an attorney if you have been in an accident
Client Representation Contract [PDF]
A sample of the contract a client may sign with my office.