Why Get Car Insurance? Protect one of your biggest investments, yourself, and your loved ones by getting car insurance. When car accidents happen, or other vehicle-related incidents involving your car, a car insurance policy will relieve you from financial hardship. Car insurance generally comes in two forms, liability coverage, and property damage. Liability coverage pays … Continued
By: Bryan Meader I have seen more and more car insurance commercials lately that go something like this: “If you’re in an accident, just snap some pictures of the damage to your vehicle and we can mail you a check for the property damage! It’s that simple!” However, before you take advantage of this opportunity, … Continued
Adding a young driver to the family car insurance policy can cost parents double their annual premium rate. This isn’t the case for every insurance rate, but there are some factors that can cause parents to pay more for their car insurance. For example, male teens are likely to cost more than female teens. It … Continued
While standard uninsured motorist policies provide coverage for hit-and-run accidents, the specific language used by insurers may be different. For example, let’s take two insurance companies. One insurance company policy provides damages when an uninsured motor vehicle “hits” the insured vehicle. The other insurance company policy provides coverage when an uninsured motor vehicle “strikes” the … Continued
Here’s the problem – PIP (Personal Injury Protection) carriers unilaterally reduce provider bills. Kentucky law allows the reparation obligor’s request for negotiation of reduction or modification of charges. Kentucky law also has a recurring problem when PIP carriers reduce a doctor’s statement of services without having an agreement. Related: What’s Personal Injury Protection (PIP)? Here’s … Continued
One day, Brian McGrory, a Globe columnist, received a letter from an attorney in Campbell County, Kentucky. The subject was about Liberty Mutual. In the first line of the e-mail, Attorney Jeffery Sanders was saying thank you to McGrory. Why? The answer is for opening his eyes to see who Liberty Mutual actually was. Demetre’s … Continued
There was a case in 2010 that involved an uninsured vehicle. The case explored what was an uninsured vehicle under the Uninsured Motorist Coverage in your Kentucky car insurance policy. Uninsured Motorist Coverage is the part of your insurance policy that will cover you if you are the victim of an accident and the person … Continued
If you want ten times the insurance, that doesn’t mean it’ll cost you ten times as much. Your insurance agent may not tell you that additional insurance will not cost you that much more unless you ask. Why? It’s because it’s a bad deal for the insurance company but a good deal for you. Ask … Continued
Suspects on the television crime shows are always talking to the police. They are constantly volunteering information before they ever consult with an attorney. If that’s how it’s done on television, it must be a good idea. This is wrong! Volunteering information almost always back fires on television. The same thing happens in real life. … Continued
Kentucky car accident victims often wonder whether or not they’re going to be paid for the time they are unable to work as a result of an accident. That is, whether or not they can collect their lost wages. If the accident wasn’t their fault, the answer is yes. If the accident was their fault, … Continued
Kentucky is a No-Fault insurance state. What does this mean? There are a lot of Kentucky accident victims who hear this term and believe that this means that it doesn’t matter who caused an automobile accident. They believe that anyone who is injured in a Kentucky automobile accident can recover for their pain and suffering. … Continued
Kentucky accident victims have a serious problem that happens over and over again. This problem has to do with car insurance, and unfortunately, the frequency has increased. The problem is not with the accident victim but with the person that caused the accident. The at-fault party has been charged criminally for not having insurance. This … Continued
It is springtime and bicycles and walkers are everywhere. Unfortunately, there are going to be accidents. One common question that people may have is, “Who is going to pay for my medical bills and injuries if I am in an accident with a vehicle when I am on a bike or walking?” Fortunately, there are … Continued
There are many different types of insurance coverages offered by insurance companies. You may even have multiple policies with one company. Is there some way to merge these policies together? There is, and it’s called stacking. What is stacking in Kentucky? Stacking is when you take several different insurance policies and add them together for … Continued
Not carrying sufficient car insurance coverage can have devastating repercussions on you and your family if you are involved in an accident. If the accident is not your fault, it is up to you to have coverage that will protect you and your family. If you are carrying the Kentucky minimum insurance coverage, you are … Continued
When you look at the philosophy of insurance companies, we pay them so that they will pay us if we are in an accident. If we are in an accident, that will cost the insurance company money therefor cutting into their profits. Because of this, the insurance industry has several tactics they use to save … Continued
What is an Umbrella Policy? Many people have heard of Umbrella Policies but are not quite sure what they mean. An Umbrella Policy is a policy that is not part of your car insurance policy or your homeowners’ policy. It has to be purchased separately and usually cannot be purchased unless there is a Liability … Continued
When you have been in a car accident, there are many issues that are thrust upon you. The most obvious one is physical injury, but there is also emotional trauma. There are a lot of unanswered questions running through your mind and that can be stressful. “Where do I get my car fixed?” and “Who … Continued
What happens if you were in a car accident where you were the passenger and the car you were in didn’t have insurance? What if you were driving a car that wasn’t yours and that car didn’t have insurance? The Kentucky Assigned Claims Plan Since there was no insurance, you might assume there was no … Continued
Basic Reparation Benefits In Kentucky, Basic Reparation Benefits (also called Personal Injury Protection, PIP, or No-Fault Benefits) is auto insurance coverage that will cover you and your passengers if you are in an accident. The standard amount offered by insurance companies is $10,000. This is the minimum amount required by the Kentucky Revised Statutes. This … Continued
After many years of representing auto accident victims in Kentucky, I have realized that many of my clients are injured both physically and financially. When you are not able to work, it puts both an emotional and financial strain on the entire family. Often times, the accident is the result of someone else‘s negligence behind … Continued
Buying car insurance is an important step in protecting, not only yourself, but your family. Unfortunately, one of the many confusing parts of buying car insurance is the terminology. Some terms appear to be self-explanatory, but they may actually mean something different. For example, the terms no-fault insurance, basic reparations benefits and personal injury protection … Continued
In Kentucky, collision coverage is the part of your insurance policy that covers the property damage done to your car that was involved in an automobile accident. There must be an actual collision with damage, however. If your car has damage that was not caused by the collision, you would need to look to your … Continued
When you are buying car insurance, your insurance agent will throw a lot of information at you in a very short amount of time. You will be expected to digest this information and decide if what they are offering is best for you and your family. This is a hard position to be in. It’s … Continued
