Automobile accidents are the most prevalent type of personal injury case. This is not surprising, considering that the National Highway Traffic Safety Administration (also known as the NHTSA) reports that a car accident occurs every ten seconds. Charles W. Miller & Associates has helped hundreds of clients who were injured in automobile accidents recover compensation for their injuries. Our goal is to help our clients recover physically and financially from the injuries they suffered or from the wrongful deaths of a loved one they endured as the result an auto accident. Our firm represents injured motorists throughout Kentucky and Southern Indiana.

The Louisville based car accident attorneys at Charles W. Miller & Associates want you to be more informed about your legal rights after you suffer injuries as a result of someone else’s negligence in a car accident. We understand that being injured in a motor vehicle accident can cause serious stress and anxiety. We also realize that mounting medical bills, as well as the decision of when and how to return to work to support one’s family, are a big part of this stress. We have the experience to skillfully represent you while providing the close personal attention you deserve. We can present your case with confidence, making sure that insurance companies and/or the jury fully understands the extent of your injuries and suffering in order to obtain the compensation you are entitled to.

Contact a car accident attorney in Louisville at Charles W. Miller & Associates about your car accident claim. Call (502) 890-9954 and let us put our experience to work for you.

Negligence in Motor Vehicle Accidents

Generally, state laws on negligence state that people must operate automobiles with “reasonable care under the circumstances.” Negligence occurs when a person fails to use this reasonable care. Consequently, negligently operating a vehicle may require the negligent driver to pay for any damages to either person or property that their negligence caused. The plaintiff in this situation is the injured driver. The plaintiff must prove that the defendant (the other driver) was being negligent and that this negligence was the true cause of the accident.

Also important is the issue of causation. The plaintiff must prove that the accident was the cause of the plaintiff’s injuries.

If you have been involved in a motor vehicle accident in Kentucky, you must not hesitate to call an experienced Louisville car accident attorney at Charles W. Miller & Associates. We will strive to counsel your needs and protect your best interests.

Compensation in Auto Accident Cases

An individual may bring a claim or a lawsuit after being injured in an automobile accident in order to recover the expenses associated with:

• Property damage (including your car damage)
• Medical costs
• Economic damages (loss of wages)
• Emotional and physical pain and suffering

Litigation involving automobile accidents can be extremely complex. An attorney at Charles W. Miller & Associates can help you fight to obtain the money you deserve. Our experience in automobile accident cases in Kentucky and Indiana is essential in assuring you are in the best possible position to be compensated for your losses. Click here to learn more about injuries and compensation in car accident claims.

What to Do after a Car Accident

After an accident, it is essential that you ensure you and any other people at the scene are okay. Call an ambulance or seek medical attention if you or anyone else is hurt. You should also report the accident to local law enforcement and, if possible, have police arrive at the scene. If you are able to, take down the other involved individuals’ information, including a contact number and their insurance information. Take pictures of the scene of the accident, including your injuries and any property damage your vehicle has sustained.

In many cases, the first person most individuals speak with regarding their claim is an insurance adjuster. This adjuster may be from their own insurance company or the company of the at-fault driver. Insurance adjusters try to contact injured individuals immediately before they have had the opportunity to speak with a personal injury attorney. Therefore, if speaking with an insurance adjuster prior to obtaining and consulting with counsel, it is important to following the basic “dos and don’ts in dealing with an insurance company.”

Uninsured & Underinsured Motorists

While liability insurance is required by state law in Kentucky and Indiana, many drivers cannot afford to purchase insurance or can only afford to carry the state minimum insurance, which can be insufficient to cover your damages. Uninsured motorist coverage is a form of insurance you can purchase that pays for bodily injury resulting from an accident with a driver who is legally responsible for the injuries but who has no liability coverage. Your insurance company will "step into the shoes" of the driver that caused the motor vehicle collision and pay on your claim.

Underinsured motorist coverage will supplement any liability insurance of the at-fault driver and cover expenses and damages from an accident that exceed the coverage of the at-fault driver’s liability insurance. If you have been involved in a car accident and the other driver had minimal insurance coverage ($25,000 per person/$50,000 per occurrence is the minimum coverage in Kentucky), you may have an underinsured motorist claim.

If you have been involved in an accident with an uninsured or underinsured driver in Kentucky or Indiana, it is important that you contact an attorney at an experienced personal injury law firm, like Charles W. Miller & Associates, immediately so you do not waive valuable legal rights.

For more information on how our car accident attorney in Louisville can help you with your claim, contact a car accident attorney at our firm for a free consultation: (502) 890-9954.