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Crestwood Car Accident Lawyers

Car accidents occur in Crestwood and across Kentucky much more frequently than you might expect. In 2021 alone, more than 800 people were killed in auto accidents in Kentucky on the state’s public roads, and there were more than 20,000 car crashes reported that resulted in nonfatal injuries. In total, according to the State of Kentucky’s 2021 crash report, more than 131,000 auto collisions were reported in Kentucky in 2021, and that number represents a significant increase from previous years. To put that number in perspective, 1 out of every 150 Kentucky residents was injured in a car crash in the state in 2021, and 1 out of every 22 licensed drivers were involved in a collision. If you or someone you love sustained injuries in an accident, you should get in touch with a Crestwood car accident lawyer who can evaluate your case for you today.

Types of Crestwood Car Accidents We Handle

At Meagher Injury Lawyers, we represent clients in a wide range of car accident cases. Whether you need assistance with your insurance claim or you need help filing a lawsuit against a negligent motorist or another liable party, our law firm can help. Our Crestwood car accident attorneys regularly handle the following types of car crash cases:

  • Rear-end collisions.
  • T-bone or side-impact crashes.
  • Head-on accidents and wrong-way crashes.
  • Sideswipe collisions.
  • Distracted driving accidents.
  • Aggressive driving and road rage collisions, including crashes caused by speeding and following too closely.
  • Intoxicated driving collisions, including accidents resulting from drunk driving or drugged driving.
  • Fatigued or drowsy driving accidents.
  • Inclement weather crashes.

Insurance Claims Versus Lawsuits in Crestwood Car Accidents

After a car accident in Crestwood, should you file an auto insurance claim or a personal injury lawsuit? For most injured motorists, the first step in seeking financial compensation after a Kentucky traffic collision is to file a claim with your insurance company. Kentucky is a no-fault state for auto insurance purposes, which means that Kentucky law requires most motorists in the state to carry no-fault coverage, which is also known as personal injury protection (PIP) coverage. Basic PIP coverage provides up to $10,000 of coverage for medical expenses and lost wages resulting from an accident. To be clear, in a no-fault state like Kentucky, an injured motorist will file an injury claim through their own PIP coverage, and they can be entitled to receive coverage regardless of who was at fault for the crash — the claimant or another motorist. With no-fault insurance, a motorist also accepts limitations on their rights to file a lawsuit against an at-fault driver.

You should know that Kentucky does have a “rejection” or opt-out provision for elements of no-fault insurance coverage. A motorist can reject the limitations on their ability to file a lawsuit, which also means that they will not be eligible for PIP coverage even if they are at fault themselves for their injuries. They will, however, be eligible to sue an at-fault driver.

Even if a person keeps Kentucky’s no-fault coverage, they can be eligible to file a lawsuit against an at-fault party if they can meet a statutory or serious injury threshold. In general, to be eligible to file a lawsuit after a PIP claim, a motorist must be able to show that their insurance coverage was insufficient to cover their losses and that they have experienced $1,000 or more in serious medical expenses.

How Much Time Do I Have to File a Crestwood Car Accident Lawsuit?

If you do need to file a car accident lawsuit in Crestwood, how much time do you have to do so? Generally speaking, Kentucky’s personal injury statute of limitations says that you have a minimum of two years from the date of the car accident that caused your injuries to file a lawsuit. If a car crash caused a loved one’s death, the statute of limitations is still one year, but the clock starts ticking on the date of the person’s death as opposed to the date of the car accident. 

Contact a Crestwood Car Accident Attorney for Assistance

Car accident cases in Kentucky can be complicated, especially when you know that you will need to file a lawsuit against an at-fault party. With no-fault insurance laws in Kentucky, you will need to work with one of our experienced Crestwood car accident attorneys to prove that you meet the statutory threshold in order to be eligible to file a lawsuit. An advocate at our law firm can assess your case today to help you determine who may be liable for your injuries and how you can seek financial compensation for your losses. Contact Meagher Injury Lawyers for more information about the services we provide to car accident victims and their families in Kentucky. Call today at (502) 309-9213 to receive a free consultation.