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Michael A. Schafer, Attorney at Law Library

Library Categories:

• Auto Accidents
• Truck Accidents
• Wrongful Death and Fatal Accidents
• Motorcycle Accidents
• Bicycle Accidents
• Automobile Insurance
• Newsletters
• General

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.   
  Description: 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.   
  Description: 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.   
  Description: 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   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: Discounts offered by Kentucky insurance companies to lower your car insurance rates
• Comprehensive Insurance [PDF]   
  Description: Comprehensive Insurance in Kentucky covers damage to your car caused by something other than a collision.
• Collision Coverage [PDF]   
  Description: 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]   
  Description: 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]   
  Description: 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]   
  Description: A list of car insurance coverages available in Kentucky

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