Types of Auto Accidents in Kentucky
We protect you and your family’s interests inside and outside of a courtroom
Auto accidents vary tremendously in severity. While a minor accident may have few long-term consequences, a serious head-on collision could result in lifelong medical complications for injury victims, or in the death of the driver or a passenger. No matter the type or cause of an accident, consulting with an attorney before settling a claim with an insurance agent can help protect your best interests.
If you or a loved one is injured or disabled in an auto accident due to another’s negligence, turn for legal guidance from the lawyers at Crandall & Pera Law. Our Kentucky accident attorneys are experienced investigating and litigating all kinds of crashes and related injuries. We help clients across Kentucky, including major cities such as Louisville and Lexington.
The kinds of accidents we handle, and their effects
It is nearly impossible to list all the possible types of auto accidents, and the following is hardly a complete list. It does, however, represent the kinds of cases commonly handled by the Kentucky accident attorneys at Crandall & Pera Law, and the effects on victims and property.
- Car incursions. An incursion occurs when a car leaves the roadway and penetrates a commercial building, a home, or private land, with or without causing injury.
- Broadside collisions. In most cars, the only connections between the floor and roof in the sides of the passenger compartment are the doorposts. An impact into a doorpost can drive it into the passenger compartment, push the doors inward, buckle the floor, and pull the roof downward onto passengers. Side impact collisions often cause broken necks, broken ribs that penetrate lungs, fractured hips, and spinal injuries. The impacted vehicle may also be pushed into a stationary object or into oncoming traffic, or may overturn.
- Rear-end collisions. These are the major cause of whiplash injuries to the cervical vertebrae, which result from sudden, severe forward and backward motion of the head beyond its normal limits.
- Sideswipes. Depending on how the car is sideswiped, such as the speeds of both vehicles, the angle of the sideswipe, and the position of the impacted vehicle’s wheels, the sideswipe may cause the car to leave the highway, collide with another vehicle or a stationary object at roadside, or overturn. The impacted vehicle may also spin out of its lane and come to rest in an opposite lane, causing a head-on or broadside collision.
- Head-on collisions. These kinds of crashes generate enormous energy, usually with devastating results. The energy generated by two vehicles colliding head-on at 50 miles per hour is approximately that of one car striking a stationary object at 100 miles per hour. Passenger cars are not designed to withstand those forces and, even though airbags, seatbelts, and controlled collapse front structures have helped reduce fatalities, serious injuries and deaths continue to occur.
- Multi-car collisions. “Chain collisions” are multiple rear-end collisions caused by one person’s vehicle striking the back of the rearmost car stopped in a line and causing each to strike the one in front of it. Mass collisions, or “pile-ups,” are less frequent than chain collisions, and tend to occur on snowy, icy, or wet roadways, or in poor visibility.
- Wrong-way accidents. These are most frequently caused by a driver attempting to enter a freeway via the exit lane, occurring more commonly among intoxicated drivers and the elderly.
Related insurance issues
Kentucky requires motor vehicle liability insurance, and forbids any car, truck, or motorcycle to be taken onto a roadway or public street without these minimum coverages:
- $25,000 for bodily injury, per person
- $50,000 for total bodily injury, per accident, and
- $10,000 for property damage
There are insurance options available that may save money but can limit one’s ability to recover damages directly from another driver.
Kentucky is a “choice no-fault state.” In no-fault insurance, drivers turn to their own insurers to compensate them for injury and property damage regardless of who is at fault. By choosing no-fault, they are likely to experience lower premiums, but may not be able to file a liability claim against anyone after an accident unless their injuries or losses meet a defined dollar threshold. Kentucky coverage is normally no-fault, but car insurance buyers may reject no-fault in favor of traditional tort-based coverage when they first purchase their policies. The word “tort” is French for “wrong,” and tort-based coverage refers to policies based on the common law doctrines of civil, rather than criminal, wrongdoing and negligence.
Kentucky is also a pure comparative negligence state. If a defendant in a negligence suit is responsible for an accident, their insurance company must pay the plaintiff; however, the payments can be reduced in the same proportion as the plaintiff’s negligence, if any. Considering these complexities, representation by a Kentucky accident attorney seems very desirable.
What to do if you are injured in an auto accident
If you or a loved one has been injured in an auto accident in Kentucky, there are some important things to remember:
- Make no admission of responsibility.
- Present your driver’s license, vehicle registration, and insurance card to any police officer who requests it, and answer their questions truthfully and, insofar as possible, completely.
- Do not speculate, or offer any gratuitous explanation, of how the accident occurred that might later be interpreted as an admission of responsibility.
- Do not deal directly with the other party’s insurance claims adjuster.
- Seek legal counsel as soon as you can. A qualified Kentucky accident attorney at Crandall & Pera Law can be the point of contact between you and all other interested parties, allowing you to concentrate on recovering and getting on with your life.
Contact a knowledgeable Kentucky accident lawyer today
In Kentucky, a pure comparative negligence state, one of our attorneys can help protect your interests by advocating for a fair comparison of negligence, in accordance with the established facts of the case. Kentucky’s statute of limitations for personal injury in motor vehicle accidents is generally two years, with important caveats, so it is important to contact an attorney as soon as possible.
We are interested in your auto accident injury and want to help. Please call Crandall & Pera Law at 877-686-8879 or fill out our contact form to schedule a free, no-obligation consultation with an experienced Kentucky accident attorney. We have offices located in Lexington and Louisville.