Utah passed one of the toughest laws in the United States against the growing epidemic of texting and driving. If you are caught texting and driving in Utah, you could be looking at prison time of up to 15 years if you cause a death and a fine of up to $10,000! If you are … Continued
Over the last week, there have been a lot of bicycles out on the roads in Louisville. While some of these people are athletes training for different events, many of the cyclists are riding for fun. Riding a bike is enjoyable, but it can be dangerous if you aren’t familiar with bicycle laws in Louisville. Related: … Continued
On the morning of August 23, 2009, an accident on I-65 killed one and injured a driver. The accident occurred when a truck was traveling north on the interstate and lost control of their vehicle. The truck then hit the guard rail causing the passenger, Jason L. Smith, to be thrown from the truck. Emergency services responded … Continued
On August 1, 2009, the 28th annual triathlon was held at Jefferson County E. P. Tom Sawyer State Park. This triathlon consisted of a half mile swim, 14 mile bike ride and a 3.1 mile run. This particular event was not an iron man series by any means but a fun family event. Parents participated … Continued
Do airbags prevent injuries? There is no doubt that airbags do prevent injuries. In fact, airbags saved 25,782 lives between 1987 and 2008. However, can these same airbags also cause injuries? Unfortunately, there is a chance that they can cause serious injuries. Dr. Smock tips about airbags William Smock, M.D. from Louisville, Kentucky, is an … 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
Have you ever been slowing down to stop at a red light and the car next to you goes flying by and runs the red light? I see it all the time. In fact, this happened to me this morning on Bardstown Road, and it was a TARC bus to boot. Not only had the … Continued
One of the most common car accident cases that The Schafer Law Office handles is whiplash injuries. Whiplash injuries are also referred to as soft tissue injuries or a sprain/strain. These are the most difficult cases to prove in a Kentucky court. Kentucky accident victims suffering from these injuries are hurt, in pain and the … Continued
Every time you turn on the TV, listen to the radio or even read the newspaper, you hear someone talking about Facebook, Twitter, LinkedIn and other social networking sites. What does this mean for someone who has been in an accident in Kentucky? Well, if you are not careful with what you post on social … Continued
Fatal accident in Nicholas County On Friday, April 24, 2009, a fatal accident in Nicholas County, Kentucky took the lives of four people. The deceased were identified as Jerome Hicks, Charles Hicks and Mary Willcut. They were all from Cincinnati, Ohio. Also killed in the accident was Robert Hughes of Carlisle, Kentucky. According to the … Continued
Although it is that time of year, Spring Break, there are some things to remember when you are setting out on any trip. Taking a few precautions in advance can certainly help when the unexpected occurs. None of us ever plan for accidents, injuries, sicknesses or other inconveniences when we are planning our trips, but … 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
Driving while fatigued, just like driving under the influence of alcohol or drugs, can lead to an auto accident. When a person is sleepy, their reaction time is slower, their awareness is less acute, judgment is impaired and in some cases the driver experiences increased aggression. The National Highway Traffic Safety Administration reported that fatigue … 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
Are you better off not going to trial? It was reported in The New York Times that that a study indicated that plaintiffs in civil lawsuits are better off settling their cases and avoiding trial. Statistics from the study showed that the majority of plaintiffs who took their case to trial did not get a … 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
If you have been involved in a car accident, you may have suffered a close head injury. This can occur even in a minor accident like a fender bender. It is important to be aware of the symptoms and signs of a close head injury. This way, you can talk to your doctor immediately if … 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
