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How To Deal With Insurance Companies After An Accident

an man signing an insurance form at an accident scene

Getting into an accident is frightening. You may feel alone and unsure how to proceed after such a terrifying event. Who should you talk to? What should you say? Who is on your side? All these questions may be scattered in your head as you question who you should turn to. The first call you […]

Underinsured and Uninsured Motorist Coverage and Why It is Important

A man making a call at the accident scene

UIM and UM Coverage: An Introduction Sadly, in today’s economy, a lot of Kentucky and Ohio residents are only able to afford car insurance with minimum coverage, or worse they are unable to afford car insurance at all. When one of these underinsured or uninsured drivers are at-fault for a motor vehicle accident that caused […]

Police Officer At-Fault for Car Accident – Injured By Police

A policeman at an accident scene

The Ohio Supreme Court held that when police officers are performing their duty, they can be held civilly liable for damages to a 3rd party if their conduct is “wanton or reckless” in nature. By adopting this standard, the court rejected the no-proximate cause test applied in several lower courts throughout Ohio. The no-proximate cause […]

The Law According to Uber: How Uber Drivers Are Licensed and What This Means for Your Insurance Coverage

An uber driver driving a lady at the passenger's seat

For several years, Uber and other “ride-sharing” services have competed with traditional taxi and black car services across the country. Uber allows customers to “hail,” or request, a ride and for drivers to respond to requests made within their geographical area through Uber’s smartphone application. Uber’s popularity has raised legal uncertainty regarding license requirements and […]

PIP Recovery Against Auto Carriers – PIP Refused

An accidented vehicle

This post discusses the PIP benefits that are available on all Kentucky automobile insurance policies for people who live in Kentucky at the time they take out insurance.  Kentucky passed the Motor Vehicle Reparations Act (MVRA) in 1974. Among other things, the MVRA requires all Kentucky drivers to have liability auto insurance, and requires all […]