I am a Kentucky personal injury attorney.  I represent the victims of car accidents, truck accidents, fatal accidents, motorcycle accidents, bicycle accident and pedestrian accidents. When I speak with an accident victim I am concerned about the type of insurance coverage that the potential client has.  This insurance coverage often makes a huge difference on what I am able to do for a Kentucky accident victim on any particular case. This is especially true if the injuries are serious or fatal and the at-fault car did not have insurance coverage. 

One of the first questions I ask as I am getting to know a new client is “What type of car insurance coverage do you have?”  The answer that I get 90 percent of the time is, “I have full coverage.” I have learned that this means vastly different things to different people. So I ask the follow up question “What do you mean by full coverage?”  The answers I get vary. They are rarely the same. The potential client is almost never correct. Unfortunately, when someone becomes an auto accident victim it is the first time they really look at their own car insurance policy. 

I ask for a copy of the insurance policy declarations page to make sure I am getting accurate information.  The declarations page is a sheet or bill that you receive from your car insurance company that shows the different types of insurance coverage you have purchased , the limits, the amount that you pay for each coverage, and the cars or vehicles that are covered on your policy.

Now here’s the kicker.  Full coverage is a term that people hear all the time. I use it. I am sure you have used it. Guess what? There is no real definition for it.  You cannot ask your insurance agent for full coverage. This is not an all inclusive term. This makes it extremely important to know the different types of insurance that are available. This will enable you to purchase the best car insurance for you. In other words what full coverage is for you.  The different coverages available to you in Kentucky are:

• Bodily Injury Liability- Mandatory insurance that covers the injuries you cause to other people if you are in an automobile accident that is your fault.
• Property Damage Liability- Optional coverage that pays for damage done that is your fault to other vehicles or property.
• Collision- Covers property damage done to your own automobile by an actual collision and nothing more.
• PIP, Personal Injury Protection, or Basic Reparations Benefits- Mandatory coverage that is also known as No?Fault insurance. This insurance pays for your medical bills and lost wages up to $10,000.00 should you be in a car accident regardless of fault. 
• Added Reparations Benefits- Optional benefits that you can purchase in addition to your PIP for medical coverage and lost wages above $10,000.00. 
• Uninsured Motorist Coverage- Pays you for your pain and suffering and your out of-pocket expenses if you’re in an automobile accident and injured by a driver of a car that does not have insurance.
• Underinsured Motorist Coverage- Covers you for injuries you have sustained in an automobile accident that was not your fault when those injuries are greater than the insurance coverage of the car that hit you. 
• Miscellaneous coverage such as towing      
• Comprehensive- Covers damage to your car caused by something other than a collision, such as crack in your windshield.
• Umbrella Policy- Additional insurance you can purchase in case you have liability that is in excess of the limits of your other insurance. You may also purchase coverage for additional under insured motorist coverage under some umbrella policies.          

You can tell by this list that the only mandatory insurance coverage required by the State of Kentucky is bodily injury liability coverage, property damage liability coverage, and no?fault or PIP benefits.  The minimum amount of coverage is $25,000.00 50 for liability coverage.  As you can tell, this will not even be a drop in the bucket should there be a serious accident.  The minimum for PIP is $10,000.00.

For more information on Kentucky car insurance request a free copy of my first book “What You Don’t Know About Buying Car Insurance Can Hurt You.”

Make yourself an informed consumer when you buy car insurance and make sure you protect your family in case you are the victim of a Kentucky automobile accident.

We all mourned the tragic truck accident in Hart County that was among the nations deadliest in the last 20 years.  The investigation is showing the cause of this accident is due to distracted driving by the truck driver. Kentucky has enacted a law that prohibits texting while driving. This activity would now be a ticketed fine in Kentucky.  Is this really a sufficient deterrent? Should we go as far as Utah and make this an offense that would be considered a murder or manslaughter?  I believe this is something that should be considered.  What is the best way to prevent distracted driving and driver fatigue?

Kentucky drivers and trucks do not get along.  Almost nine percent of the fatal crashes that occurred in 2008 involved trucks.  These figures are consistent with nationwide statistics. This is of even greater concern when you consider that only about 4.6 percent of state’s registered vehicles are trucks.  This disparity in the number of fatal accidents caused by trucks as opposed to smaller vehicles is attributed to the difference in size and weight between large trucks and cars. This is according to the Insurance Institute for Highway Safety. 

Not everyone believes that trucks are more dangerous.  The American Trucking Association contends that trucks don’t cause a disportionate share of the fatal accidents when you take into account the hours and miles that a truck driver will spend on the road in any given day or week.  It is contended that the safety record for trucks is better now than it has ever been.         

I feel safe in saying that the March 26 accident in Hart County will lead to changes in Kentucky’s laws and how they affect trucks.  When a company is fined or has a history of violations, I believe Kentucky needs to be more stringent in its penalties in allowing these trucks on our roads.  We all know these vehicles are more dangerous.  We just have to figure out a better way to monitor them. 

In that vein, a new federal regulation was implemented last month. This regulation requires trucking companies that repeatedly violate driver time limits to install electronic recorders in their trucks. These recorders will keep track of how long a driver spends behind the wheel of a tractor-trailer.  This should be an important tool in preventing trucking companies from manipulating the system and forcing their drivers to log longer hours than they should. 

Interestingly, these monitors are not required for all trucking companies, but only those flagged during on site compliance reviews.  Those flagged are a very small percentage of the trucking companies in the United States.  Should these monitors prove to be effective maybe they will eventually be required on all trucks. 

In hindsight, Hester, the owner of the truck involved in the Hart County accident, had numerous violations. These violations were not found as part of an on site review. Consequently, the new regulation would not have required Hester to place these devices in their trucks. 

Another recent change requires some truck drivers to use electronic on board recorders to replace their paper log books, which were easily forged.  Under the new rule, a carrier must use the device if a compliance review finds that they have violated hours of service rules more than ten percent of the time.  What amazes me is that it is projected that 5,700 interstate carriers will have to use the device after the first year.  This tells me that forging time logs runs rampant and it is a major cause of driver fatigue and fatal automobile accidents that occur.

I hope these rules will make it harder for trucking companies to violate the time requirements for their drivers behind the wheel.  This in turn will keep driver fatigue to a minimum, prevent truck accidents and help keep our Kentucky roads safe.

The March 26th accident in Hart County, Kentucky is the second worst traffic accident in Kentucky history.  The worse occurred on May 14, 1988, when 27 people were killed in a bus crash caused by a drunk driver outside Carrollton, Kentucky. I was a young prosecutor at the time and was horrified by the accident. I still get a chill every time I drive pass the memorial sign on I-71.

       I would describe The Munfordville truck accident in the same one word: “horrific.” A semi truck traveling south in the early morning hours crossed the median, went through the cable barriers into the oncoming traffic and hit a van head on killing 10 of its passengers  The driver of the truck was also killed.  Several families and communities suffered great losses that morning. My heart goes out to them.

       The 10 people in the van were traveling from Marrowbone, Kentucky to Iowa for a wedding.  They were members of the Mennonite faith. As the grieving process continues with family, loved ones and communities touched by this tragedy are looking for an explanation as to why and how this happened.

       There have been some answers from this ongoing investigation of The National Transportation and Safety Board, who are investigating the crash.  The cable barriers were found to be properly installed and up to safety standards. Unfortunately there is little that can stop a truck loaded with auto parts. We know that there were no skid marks on the roadway. We can only guess as to why the driver of the tractor trailer did not brake.

       Information from The Federal Motor Carrier Safety Administration has identified the trucking company from Alabama involved in the accident as Hester. Hester has had a poor safety rating from federal regulators and repeatedly failed roadside inspections.  The FMCSA gave Hester a rating of 88.4 based on a review of inspection in February.  The scoring range goes from 1-100, 100 being the worst score. Any score of 75 or more is considered deficient.

       The truck involved in this tragedy had been cited with problems ranging from lights, brakes, and emergency equipment.  These problems were identified in six roadside inspections since 2008.  There have not been any citations issued in 2009 or so far in 2010.

       A spokesman for the American Trucking Association said that based on the safety score the trucking company should not have been in operation. I will look with interest as the NTSB goes through their investigation. What will the driver’s log show? Was the vehicle in proper working order? Was there brake failure?  These are questions that any truck accident attorney would be interested in pursuing a wrongful death claim, as well as family and friends who are looking for answers. Although there is nothing that can be done to reverse this tragedy I hope the parties who are responsible will be held accountable. Based on the track record of Hester there is a good chance this accident could have been avoided.

If you have been involved and injured in a Kentucky truck accident time can be of the essence.  To the trucking industry accidents involving tractor trailers are part of day?to?day business.  When there is a truck accident the driver of the tractor trailer will notify their parent company as soon as they are able to do so.  The trucking company will send in an accident investigation team out to the crash site, immediately.  The accident reconstruction expert and accident investigation team hired by the trucking company often arrive while the police are still on the scene. 

What does this mean to you if you are the victim of a truck accident in Kentucky and suffer a serious or life threatening injury?  It means that in your truck accident case the trucking industry has a head start on investigating the cause of the accident and developing a strategy for its defense to any claim that arises.  There’s evidence that can disappear either intentionally or by accident. The trucking company has the benefit of an expert that was actually at the accident scene. This may not be possible for the victim of a truck accident since injuries are usually severe in nature.  You’re concentrating on your medical treatment. You may be in the hospital for a significant period of time. 

There is still hope.  It is first important to realize that the bulk of trucking accidents are caused by driver error which is usually from an inattention or driver fatigue.  There are many devices available on trucks now that actually warn of impending crashes to help prevent these accidents.  When an accident is not prevented, however, the black box or the event data recorder must be examined.  These devices record data that may be significant in your accident at the time and up to the time the accident occurs.  Things as deceleration, speed at impact, etc. can be obtained.  Needless to say it is important to act quickly so that an expert can examine these devices on your behalf.

Time is of the essence in truck accident cases. Although most cases can be reconstructed at a later time it is important to have someone looking out for your best interests as soon as possible.

            Without evidence you will not be successful in pursuing your Kentucky accident claim. Whether it is a car accident, a truck accident, a bicycle accident or a wrongful death case you must be able to prove what happened. I know this is a harsh statement to start this article off with but it is the truth.  Without witnesses, pictures, medical proof and other documented evidence you are not going to be successful in prosecuting your Kentucky accident claim.  I use the word prosecuting because as an accident victim you are in a position of being required to prove your claim to the insurance company. Yes, much as a prosecutor does in a criminal case when he is arguing for a conviction. 

In the past few weeks I have had numerous clients come into my office who have been injured in auto accidents.  The facts have been somewhat strange and bizarre. They include:

·        Hitting parked cars

·        Cars illegally parked

·        Cars in front going into reverse and backing up for seemingly no reason. 

·        Buses swerving over the center line

You might think that this is a no?brainer. How could anyone not believe these people?  Isn’t it easy to show whose fault these accidents are? This is not always the case.  You never know what the other side is going to say, what reasoning they’re going to give or what they’re going to say about you. Believe it or not they may not tell the truth.  I have had to decline representing people in the last few weeks because:

• There were no photos to prove the position of the vehicles at the time of the accident.
• There were no independent witnesses to verify my potential client’s story.
• The police investigation was inadequate.  There were no diagrams or measurements made as to the positioning of the vehicles. 
• There was not immediate medical treatment.

Immediately following an accident the adrenaline is flowing.  Your brain is foggy.  You’re almost on auto pilot.  You are not concentrating on what is necessary to prove your case. You have no idea that any of this will be an issue. This is the furthest thing from your mind. Over the next several months you may find that without these items it is impossible to prove your case. The insurance adjuster may not be as friendly when you are finally asking to be compensated for what you have been through.  

You need to make sure you protect yourself by:

·        Obtain the names of witnesses to the accident.

·        Take pictures of the damage to BOTH vehicles. 

·        Document the position of the vehicles with photos.  You can do this with your cell phone or a camera in your pocket. You can use a sketch pad. But get the information!

This is just at the accident scene.

            I was speaking to an insurance adjuster today about a client’s claim. We will call her Sarah.  A witness that was in a yard next to where the accident happened had given a statement to the police. This witness claims that Sarah struck the car in front of her before she was rear ended.  The impact from behind was definitely more severe and we will be able to collect on the claim.  However, the adjuster wants to deduct for Sarah’s contributory negligence. He is arguing that Sarah is partly to blame for her injuries, based on the witness statement.  This may in fact occur. It is a jury issue. But Sarah has a fighting chance. She was on the ball enough to get the names of two independent witnesses who were not listed on the police accident report. They were on the front porch of the house next to where the accident happened. They observed the accident and can verify that Sarah did not run into the car in front of her until she was propelled into that car by the rear impact.

Sometimes this is just luck but having the awareness to document the evidence can save your Kentucky accident claim.  We have a fighting chance to prove that Sarah is right.

The insurance company is looking for any reason they can to:

·        Deny your claim

·        Defeat you claim

·        Lower the amount of money they are going to have to pay out on your claim. 

This is their job.  This is why they make the money they do. That is why insurance companies are profitable. That is why they have the lobbyists in Frankfort arguing their position. 

Protect your Kentucky accident case by documenting and documenting and documenting from the time you’re in an accident to the time you have finished treating and finally settle your claim. You must document.  By doing this your Kentucky bicycle accident case will be successful! Your Kentucky motorcycle case will be successful! Your Kentucky truck accident case will be successful!  Do not get caught into the trap and think that somebody else will do it for you.  Take matters into your own hands so that you can successfully prosecute your claim.

            I often focus on driving safety and on how you can be a safer driver. I write about keeping our Kentucky roadways safer. How you can avoid serious automobile accidents is another topic I blog on.  A tragic and unfortunate accident last weekend reminds me that there are also auto accidents that occur after your car breaks down. Traffic accidents occur while a vehicle is disabled on the road.  Visibility is a key factor in your safety after a car breaks down. 

David Meredith and Omar Lopez were killed after they were hit by a pickup truck on Washburn Avenue in rural Jefferson County, Kentucky.  This accident occurred after Meredith and Lopez’s vehicle had been in a minor rear-end collision on Washburn Avenue.  Apparently the men were standing behind their truck after the accident and blocking the taillights. This made it difficult for the vehicle coming from behind to see the car in the road.  Additionally there was fog in the area. This made visibility even more of an issue.

 Any time you’re on the road visibility is something you should be aware of.  This is the case whether you are a pedestrian, a bicyclist, or a disabled motorist.  You need to make yourself visible.  Bicyclists have reflectors and bright-colored jerseys that some would say make us look ridiculous.  Runners wear vests to make them more visible if they are jogging on the road in the early or late hours of the day.  The occupants of a disabled vehicle need to take precautions to make that car visible on the roadway.  Reflective triangles should be placed behind the car. You can purchase them at almost any automotive store. They should always be used.  Emergency flashers should be turned on.  Do anything you can do to make yourself more visible.  If you do not take these precautions drivers coming up on the accident scene or on you may not have a chance to avoid a tragic accident.

            A few years ago I represented a truck driver in what I would call a freak accident.  A semi tractor-trailer was traveling down I-65 south near Shepherdsville.  The trailer came loose from the tractor and came to a stop in the middle southbound lane of I-65 in Bullitt County, Kentucky.  When the trailer came off there was no power going to the lights on the back of the trailer.  Additionally no reflective tape was on the trailer.  The driver had no triangles or flares to put behind him.  He attempted to get the trailer re-connected to the tractor. 

My client was driving a tractor-trailer and also headed south on I-65.  He stated to me that he was driving along and he knew something was different but it just looked like there was nothing there.  He compared it to a black hole.  By the time he realized that there was a trailer stopped in the middle lane of the expressway he had no chance and slammed into the back of the disabled trailer.  A passerby pulled him out of his flaming truck.  Tragically the other driver was killed as he was between his tractor and trailer at the time.  My client had hit his trailer. This tragic truck accident could have been avoided had emergency flashers, flares or reflective triangles been used. Unfortunately, none of this equipment was even in the truck.

            I bring this up because you never know what is going to happen on the highway.  You need to be cautious and careful at all times.  I represented a client that had just been in a rear end collision. As he was walking back to the driver’s side of his car another car came flying by. Luckily his front door was open and he jumped into the front seat to avoid being hit. Any disabled motorist, whether it be from a traffic automobile accident, a motorcycle accident, a truck accident, or simply a blown rod in your engine, must make themselves visible on the road.  Take precautionary measures to make yourself visible to traffic.

·        Make sure your car lights are on

·        Place reflective triangles out behind the disabled vehicle

·        Place flares behind the vehicle

·        Get yourself off the roadway

·        Wait for emergency assistance to come to your assistance. 

If you take preventive measures you can keep from becoming a statistic. You can avoid a tragic motor vehicle accident. In this way you will be able to avoid the tragedy that happened last weekend on Washburn Avenue.

I was having diner at Famous Dave’s Saturday night with my bother-in-law, Tom. Tom is an over the road truck driver so I asked him the question: What irritates you the most about car drivers? He didn’t hesitate in his answer at all. Tom says that the cars all the time cut in front of him and do not give him enough room to stop. This is dangerous and down right stupid.

Trucks because of their size and weight take longer to stop and are much more difficult to maneuver. When you add urgency by a driver who is in his own world you are setting the stage for a car accident. If a truck is involved in an accident the damage and injuries are usually much more severe. Driver’s of commercial vehicles are aware of the different way that trucks handle and must be driven. There is special training for this and you are required to have a commercial driver’s license to operate a commercial vehicle. A car driver also needs to be aware of the difficult nature of driving a truck.

Here is my top 10 list of “What Not To Do While Driving A Car Around A Truck”;

1. Merging onto the highway in front of a truck and not accelerating fast enough.
2. Changing lanes without notice or a turn signal in front of a truck.
3. Making a left turn in front of a truck at an intersection without knowing how fast the truck is going.
4. Disregarding a truck’s right turn signal and driving your car in the lane to the right of the truck.
5. Not allowing a truck to merge into your lane of travel when a proper signal is given.
6. Driving in between large trucks, you may not be visible.
7. Driving too close to the truck in an area where a truck driver can not see you in his mirrors.
8. Passing a truck and cutting back in front of the truck.
9. Passing a truck when it is obvious that a cross wind is moving the truck around.
10. Stopping abruptly in front of a truck.

The bottom line is to be aware of the tucks that are on the road and to respect them. By doing this you can avoid being in a truck accident. Make Kentucky roads safe and pay attention.