Auto Accident FAQ
Whether you suffered slight or serious injuries in a car accident, legal challenges can make it difficult to move on after a collision. Our legal team at the Goode Law Office, PLLC, in Lexington, will help you address your complex concerns so that you can focus on healing.
Below are auto accident FAQ (frequently asked questions) we often hear during our free consultations with our clients. Please read our answers and then contact us to speak to a skilled attorney about your car accident case.
What is my case worth?
The amount of money you may be entitled to receive after your accident depends on a variety of factors, such as: your injuries, your medical expenses, your lost wages and your vehicle repair bills. Payment for pain and suffering, future medical bills and reduced earning potential may be also included.
Each case is different, so it is vital to meet with an attorney before you accept a settlement offer.
How long will it take to resolve my case?
If you are willing to accept the first offer from the insurance company, it is likely that your case will be resolved quickly. The initial offer may not cover all of your damages, however. If you believe your case is worth more than the amount offered, it will take time to get the settlement you believe you deserve.
Insurance companies scrutinize all documents related to the accident, including medical records. Negotiating with insurance companies also takes time. Our team strives to minimize the time to you spend filing, negotiating and litigating claims. We will review your options and available outcomes during your free case evaluation.
Do I have to go to court after I file a claim?
When you work with Chris Goode, our firm’s founding lawyer, he will review the payout offer sent by the insurance company. If you choose to settle for the amount offered, you will not need to take your case to court. If you believe that your case is worth more than the amount offered, attorney Goode has the trial experience you need to advocate for your case in court.
What is no-fault accident insurance in Kentucky?
Kentucky laws require drivers to purchase and maintain car insurance. Kentucky is a “no-fault” state. No-fault takes the form of “personal injury protection” (PIP) benefits, which pay up to $10,000 for medical bills, lost wages and similar “out-of-pocket” costs resulting from the policyholder’s car accident injuries (higher benefits are available at an additional cost).
After an accident, it’s not just the policyholder who is entitled to PIP benefits in Kentucky. Anyone who was driving or riding in the vehicle at the time of an accident is entitled to receive PIP benefits under the policy, and a pedestrian hit by the covered vehicle can also receive PIP benefits.
Problems arise when victims suffer severe injuries that a personal insurance protection settlement check may not cover. Our legal team is qualified to help you navigate this system and determine an appropriate course of action.
What happens when I get into an accident with an uninsured or underinsured motorist?
If you are hit by a driver who is uninsured, your insurance company may pay the claim.
Uninsured motorist coverage (UM) is a component of your car insurance, which protects you, your passengers and your car in the event of injury or damage when an at-fault driver has no auto insurance. Uninsured motorist coverage is mandatory coverage in Kentucky unless it is formally waived. Do not waive this coverage! The national average for uninsured drivers on the road is 13 percent, or one in eight drivers. That means there is likely at least one uninsured driver at every busy intersection.
Underinsured motorist insurance (UIM) covers injuries sustained at the hands of a driver who has insurance, but the driver’s policy is insufficient to pay for all your medical expenses. UIM coverage is not mandatory but should be purchased.
These situations are very complex to handle alone because insurance companies go to great lengths to avoid fulfilling the terms of their policies. Our legal team understands how these companies operate and will aggressively defend our clients’ rights to fair compensation.