Category: Car Insurance

How to Save On Car Insurance

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


Category: Car Insurance
Published: 01/06/20

Picture Estimates for Auto Damage: Worth the Time You Save?

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


Category: Car Insurance
Published: 10/25/18

Tips To Lower Insurance Costs For Young Drivers

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


Category: Car Insurance
Published: 06/22/15

Kentucky Supreme Court: Hit-And-Run Uninsured Auto Cases

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


Category: Car Insurance
Published: 05/16/14

Kentucky Department of Insurance Addresses PIP Problems

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


Category: Car Insurance
Published: 10/29/13

Liberty Mutual: Good or Bad?

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


Category: Car Insurance
Published: 10/08/12

Do You Know What An Uninsured Vehicle Is?

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


Category: Car Insurance
Published: 09/12/10

How Much Kentucky Car Insurance Do You Need to Have?

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


Category: Car Insurance
Published: 07/09/10

Is Giving A Statement To The insurance Company A Good Idea?

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


Category: Car Insurance
Published: 06/03/10

Kentucky Car Accident Victims Can Collect For Time Off Work

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


Category: Car Insurance
Published: 05/05/10

What Does No-Fault Really Mean?

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


Category: Car Insurance
Published: 04/14/10

Can I Protect Myself From An Uninsured Driver?

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


Category: Car Insurance
Published: 10/24/09

Car Insurance May Cover Injured Cyclists and Pedestrians

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


Category: Car Insurance
Published: 05/18/09

Stacking Insurance Policies

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


Category: Car Insurance
Published: 02/06/09

Should You Carry Insurance That Will Protect Your Family?

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


Category: Car Insurance
Published: 01/20/09

How Insurance Companies Settle Cases

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


Category: Car Insurance
Published: 11/21/08

Umbrella Insurance Policies

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


Category: Car Insurance
Published: 11/17/08

The Do’s and Don’ts of Talking With an Insurance Adjuster

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


Category: Car Insurance
Published: 11/17/08

The Kentucky Assigned Claims Plan

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


Category: Car Insurance
Published: 11/17/08

Should I Buy Added Reparation Benefits?

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


Category: Car Insurance
Published: 11/17/08

Questions To Ask Your Auto Insurance Agent

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


Category: Car Insurance
Published: 11/17/08

Car Insurance Help: No-Fault, Basic Reparation and PIP

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


Category: Car Insurance
Published: 11/17/08

Is Collision Coverage Really Necessary?

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


Category: Car Insurance
Published: 11/17/08