People are hurt every day on Tennessee roads. Throughout Louisville, there are unfortunately many dangerous intersections and drivers who operate the vehicles negligently. If you are involved in an accident, call a Louisville car accident lawyer who can pursue full compensation for your damages and explore your available legal options.
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Mike Schafer is ‘The Lawyer Who Wrote The Book’ on car accidents in Louisville, KY. If you’ve been in a car accident, you may have some questions. Our personal injury lawyers have the answers!
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The Schafer Law Office is dedicated to serving the community with skilled personal injury representation. Mike Schafer is famously known as ‘The Lawyer Who Wrote the Book,’ and our firm provides Louisville and the surrounding areas with a trusted, go-to practice for all injury-related legal needs. For decades, we’ve provided our valued clients with a path back to financial security and peace of mind.
Located in the heart of Old Louisville, we make your recovery our mission. After an accident in Kentucky, life can feel like it’s spiraling. You need answers, and you need them now. The decisions you make in the next few days can affect the rest of your life. Once we represent you, the phone calls stop. We handle every adjuster, every document, and every deadline so you can focus entirely on your physical recovery.
At The Schafer Law Office, we offer an insider advantage. Before advocating for victims, founding attorney Mike Schafer worked for the insurance companies. He knows their tactics, their pitfalls, and how they try to devalue your claim.
When you partner with our office, you are not just a case number. Mike Schafer is personally involved in every file, supported by a dedicated legal team that returns your calls and listens to your story. From opening your claim to litigating at trial, we handle the heavy lifting. We gather records, identify responsible parties, and uncover all the available compensation that can help you recover. We complete all the forms to resolve property claims to get you back on your feet.
Also, our initial consultation is free, and we work on a contingency basis. You don’t pay us a dime in attorney fees unless we are successful with your case. We are aggressive lawyers, which means we prepare extensive demand packages to pursue the full value of your car accident case. You don’t have to face the insurance giants alone. With over 25 years of experience in Louisville, we know how to get what you deserve. Let us use our experience to protect your rights.
It is important to act quickly before evidence disappears and while memories are fresh. Insurance adjusters are already moving to protect their bottom line. Don’t wait — put an aggressive advocate on your side today. Call The Schafer Law Office right away.
Across this country, about 6,500 people are hurt in car crashes each day. Unfortunately, car accident fatalities happen as well, and in 2023 alone, 40,901 deadly accidents occurred throughout the U.S.
If you are involved in an accident in Kentucky, our state uses a “choice no-fault” insurance system, established by the Motor Vehicle Reparations Act. Unlike other “at-fault” states, where you can immediately sue the other driver who caused a collision, Kentucky requires your own insurance to pay for your initial medical care, regardless of who caused the crash.
Since Kentucky is a “choice no-fault” state, you should consider hiring an attorney if you are involved in a crash. A lawyer can dispute fault, help you get a settlement that is likely much higher than if you tried to represent yourself, and discuss how to take legal action. Many firms, including The Schafer Law Office, offer a no-risk consultation, where you can have an experienced legal professional evaluate your case for free.
Below are the immediate actions you should take after getting into a car accident:
Call (502) 584-9511 to speak with a trusted attorney today!
Some accidents have witnesses who saw what happened. If you can, try to get their contact information. This could be used in your case later.
In Kentucky, you must file a written report with the state police within 10 days of the accident if the damage appears to exceed $500 or if someone was injured or killed. If you have serious injuries or someone you love has died, you’ll want to call a Louisville car accident lawyer at The Schafer Law Office as soon as you can.
You should also call an attorney if:
An experienced Louisville personal injury lawyer can protect your right to full and fair compensation.
In Kentucky, drivers are legally required to maintain a specific level of auto insurance to register and operate a vehicle. As mentioned above, our state follows a “choice no-fault” system, which significantly impacts how these minimums function during an accident.
Kentucky law defines minimum liability as 25/50/25, plus mandatory Personal Injury Protection (PIP):
Of note, insurers must include UM coverage at minimums of $25,000/$50,000, though you have the legal right to reject this in writing. Also, you can formally reject PIP coverage in writing. Doing so restores your right to sue for any injury without meeting the $1,000 medical threshold, but it also allows others to sue you more easily.
Operating a vehicle without these minimums can result in fines of $500–$1,000, up to 90 days in jail, and revocation of your vehicle registration.
In Kentucky, there are some nuances to the deadline to file a claim, called the statute of limitations. For a car accident, it typically is two years from the date of the accident. It could also be two years from the date of the last no-fault payment, not to exceed a total of four years. It is worth speaking with a knowledgeable attorney about your specific accident.
If you had insurance, the last no-fault payment is the last payment your insurance company made for either your medical bills or your lost wages. File your claim within two years of the date of the accident.
Potential clients often contact our office, wondering if they have a car accident case.
The answer depends on whether you suffered damages. If you were able to walk away virtually unscathed, you probably wouldn’t be able to file a claim. However, if you sustained serious injuries or someone you love was killed, you have the right to pursue compensation. We can help you present a case that proves the significance of your injuries and demand the compensation you deserve.
Under Kentucky Law, Kentucky follows a pure comparative fault system that governs how compensation is distributed when multiple parties share responsibility for a car accident.
This means someone can recover damages even if they were partially or even primarily at fault for causing a vehicle crash. Their final compensation is simply reduced by their percentage of responsibility. In the Bluegrass State, someone may collect damages even if they are 99% responsible for an accident.
For example, if you are awarded $100,000 in damages but a jury finds you 30% at fault for speeding while the other driver ran a red light, you would then still receive $70,000.
It is helpful to know that insurance company adjusters use this rule as a primary tactic to minimize payouts. By shifting even a small percentage of blame onto you, they can automatically reduce the amount they owe the true accident victims. However, you can hire a car accident lawyer to protect your interests during negotiations with insurance companies. Plus, they can pursue the full compensation you deserve.
Since every percentage point matters, Kentucky personal injury attorneys focus on gathering evidence to keep your fault percentage as low as possible. They can build a compelling accident damages case by collecting:
Consider partnering with a trusted attorney for your car accident claim.
Across Kentucky, you can recover three kinds of damages. These include economic, non-economic, and punitive.
Contact a knowledgeable personal injury attorney about your specific accident and what you may be entitled to recover as a result of your individual situation.
Generally, insurance companies are bound by the Unfair Claims Settlement Practices Act (UCSPA), which requires handling claims fairly and transparently. Bad faith typically occurs when an insurer recklessly or intentionally avoids its contractual obligations.
Several insurance practices are considered bad faith, including offering low settlement amounts to pressure claimants, unreasonable delays in processing or investigating claims, and misrepresenting insurance policy provisions.
An attorney can help you prove bad faith and can help demonstrate that the insurer:
Reach out to a trusted attorney to discuss insurance bad faith further.
Throughout Louisville, accidents occur frequently. The most dangerous areas include:
If you are in these areas, you may notice accidents often. Some of the most common causes of car accidents in Louisville include:
If you are unable to avoid a serious accident, call The Schafer Law Office. We work tirelessly to obtain the justice you deserve.
When someone you love is killed in a Louisville car accident, you may be able to pursue a wrongful death claim against the negligent party.
Kentucky Statutes section 411.130 states that when someone dies from an injury resulting from another person or entity’s negligence, their personal representative can pursue a claim against the party who caused it. If the accident resulted from gross negligence, you couldn’t also seek punitive damages.
When you’re trying to cope with the death of a loved one, wrongful death laws are going to appear complicated and confusing. A Louisville wrongful death lawyer at The Schafer Law Office can guide you through the process so you can focus on being there for your family.
If you’ve been injured in a car accident, you’ll need to find a reliable car accident lawyer in Louisville as soon as possible. Make sure any evidence that will help your case can still be gathered and not destroyed. A Louisville car accident attorney like Mike Schafer can help you understand your case and Kentucky law. You want an attorney who cares about you, and you can find all that and much more in Mike Schafer and The Schafer Law Office in Louisville, KY.
With car accident attorney Mike Schafer on your side, you are in good hands. The Schafer Law Office has been helping car accident injury victims get compensated for more than 25 years. Unlike big law firms that have other people work on your case, Mike is personally involved in every case.
The Schafer Law Office knows the challenges and pitfalls of vehicle injury cases in Kentucky, all the tactics of the “other” side, and how to effectively present the facts. They can handle the brutal tactics of the insurance companies. In fact, before Mike opened The Schafer Law Office, he worked for an insurance defense firm. He really knows all the tactics that the insurance companies have up their sleeves to wreck your car accident case.
Pictures are helpful in the litigation of your car accident case. However, do not place yourself in danger to take photographs. If you have a camera available, it would be a good idea to take pictures of the accident scene and all vehicles involved at the time of the accident. You should definitely take pictures of the damage done to your car and the other vehicles involved.
Yes, many people are under the impression that there must be physical contact between the bicyclist and the vehicle for the motorist to be liable. However, there are many situations where a cyclist can be injured because they had to take evasive action to avoid being hit, and they crashed as a result. The motorist can be held liable if negligence can be proved.
If there was contact, however, it can be accomplished if there are witnesses and evidence can be preserved.
Get Help With Your Case Now!
Call (502) 584-9511 to speak with a trusted attorney today!
One of the most stressful and frustrating parts of being in a car accident is getting your car repaired. You have to wait for the insurance company to come and appraise your car, then assess the damage done to it. You may not be able to drive your car, or you may be embarrassed to drive a damaged car.
If you have collision insurance on your car, you have two options when it comes to repairs.
Option one – Usually, the fastest way to get your car repaired is to go through your own insurance company. By doing this, you can begin the process immediately. Call your insurance company and get a claim set up as soon as you are able. By going through your insurance company, you can save time, but you still have to pay your deductible.
Your insurance company will attempt to collect the deductible, as well as what they paid for the car repairs, back from the at-fault party’s insurance company.
Option two – Usually takes longer, but why does it take longer?
If you choose to go through the at-fault insurance company, the procedure will be the same, but the extra hoops that you have to jump through are headaches you don’t need. Also, if liability falls on you, the at-fault insurance company will not pay for your car. You are then back to dealing with your insurance company.
The insurance company for the driver who hit you should pay for your rental car. However, this can be a slow and frustrating process. Rental car coverage is always offered with full coverage on your personal car insurance policy. You cannot have this coverage if you only have liability coverage.
The first step is to report the accident to the at-fault insurance company. If you did not get this information from the other driver at the accident scene, you can get it from the accident report. It could take up to 10 days for the report to become available, but you can get the other driver’s insurance information. Then, you can start the process.
Has your child been involved in a car accident? Here are some tips on what a parent should do if their child is hurt in an accident in Kentucky.
See Also:
Louisville Car Accident Settlements
A: In Louisville, it is worth hiring an attorney if your accident involves injuries, fault is disputed, or if you sustained significant property damage. Accident victims with legal representation often receive compensation at a significantly higher rate than those representing themselves. Plus, people with an attorney are less likely to make costly mistakes.
At The Schafer Law Office, we are personally involved in every case and work hard to pursue full compensation for you.
A: It can be hard to provide information about the average settlement for a car accident in Kentucky since each case is unique and may settle based on case-specific facts. High-value cases may push case values higher for certain serious injuries, like those accidents involving spinal cord damage, paralysis, or wrongful death claims. Contact a skilled attorney to discuss the potential settlement value for your specific case.
A: The amount of compensation someone may expect to receive for anxiety in a successful car accident claim depends on the severity of their anxiety and documentation of the condition.
Compensation for anxiety in a successful Kentucky car accident claim typically falls under non-economic damages, such as pain and suffering.
There is no fixed amount, and a knowledgeable attorney can provide a range that you might reasonably expect to recover for your individual situation.
A: Getting an MRI generally increases the settlement amount for a car accident case. While it is not a guarantee of a higher payout, personal injury settlements with documented MRI evidence can be higher than those without.
Having an MRI can provide objective proof. Unlike subjective reports of pain, an MRI provides irrefutable visual evidence of internal damage that X-rays miss, like herniated discs, torn ligaments, or traumatic brain injuries. If your doctor suggests getting an MRI, consider their advice.
If you or a loved one needs to hire a car accident lawyer, contact Mike Schafer, ‘The Lawyer Who Wrote The Book’, or Bryan Meader to solve your legal problems. Whether you were hurt near Downtown or along Dixie Highway, we are here to provide reliable legal support when you need it most.
Insurance adjusters are trained to minimize payouts to protect their company’s profits. A lawyer serves as a filter between you and the insurer to advocate for what is fair. When you partner with our experienced lawyers and staff at The Schafer Law Office, we pursue full compensation for you while you benefit from offloading the stress of a complex legal and insurance process.
Reach out to our seasoned legal team by calling (502) 584-9511 or by entering your information in our contact form. We want to help you in Louisville and the state of Kentucky! Contact us for a free consultation.
Call (502) 584-9511 to speak with a trusted attorney today!
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Here are some helpful articles, research studies, statistics, and Kentucky accident resources to assist you in finding the right information you need. There are plenty of articles on a variety of subjects, such as recalls, auto accident updates, forms, studies, and press releases from The Schafer Law Office.
Common Questions
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