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Accident Lawsuits Target Insurance Companies
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Accident Lawsuits Target Insurance Companies

Personal Assets Are Rarely Pursued

You've been injured in an accident.

The one thing you're sure about is that someone else is to blame.

Once you've called the police, been treated for your injuries and reported the matter to your insurance company, you might consider contacting a personal injury lawyer and filing a lawsuit.

While the claim will be based on negligence or fault on the other driver, your case will most likely be against the other driver's insurance company.

Choice No-Fault In Kentucky

In Kentucky, of course, the choice no-fault system is in place.

This means that your insurance company will cover your damages, regardless of who is at fault. If medical expenses exceed $1,000.00, however, or if serious, permanent or deforming injury should occur, claims are exempt from no-fault rules.

In such a case, you're free to pursue the other party's insurance company, often referred to as the "liability carrier."

Insurance Companies Take The Risk

Since auto insurance is required by law in the state of Kentucky, pursuing a claim against the insurance company makes sense.

The state minimum injury policy is $25,000 per person and $50,000 per accident, meaning that any insured driver has at this much coverage. In some cases, the policy limits might be higher: $100,000, $250,000, even $1 million or more on a commercial policy.

After all, that's what insurance is there for. Insurance companies take the risk so that we don't have to. We buy their protection with our premiums.

Suing Insurance Companies Versus Suing People

The driver who is at fault might mistakenly believe "they filed a lawsuit against me." But in reality, the claim is against his or her insurance company.

The truth is that most people have very little in the way of personal assets, such as real estate, bank accounts, jewelry or other transferable valuables.

Only in rare circumstances is the at-fault party "collectible" -- meaning that he or she has personal assets above and beyond the limits of the insurance policy in place. In these cases, it usually involves a large corporation. Insurance is designed to protect assets such as homes, businesses and bank accounts. People with assets are virtually always well-insured.

Do You Have Questions About An Auto Accident Claim?

If you're confused about filing a personal injury claim, contact the law office of Dallas & Turner. Our team of experienced attorneys will evaluate your case, free of charge.

No matter where you live in the state of Kentucky, we offer a free, no-risk consultation in injury and accident cases. This means you’ll never be charged to speak to us, and the only way we receive payment for our legal services is if you receive compensation for your accident and injury.

To speak to a Dallas & Turner PLLC attorney immediately, please dial 859-630-0666. You can also write to us by using our free contact form.

Our clients come first, no exceptions. We look forward to working for you.

Experienced Injury Lawyer Ryan Turner "If you have been injured and believe that you have a claim, you need someone with the experience of standing up against insurance companies who have a team of people ensuring they pay you little to nothing. Give us a call, and we will for free help you evaluate the merits of your case."

James Ryan Turner, Experienced Injury Lawyer in Florence, KY

Dallas & Turner, PLLC

223 Main Street, Florence, KY 41022

Phone: 859-630-0666

Toll Free: (888) 441-4822

Prestonsburg Office

140 South Lake Drive

Prestonsburg, KY 41653

(606) 886-9137

About Us

Founded over thirty years ago by Boone County native Steve Dallas, Dallas & Turner, P.S.C., carries on a deep tradition of providing simple and honest legal representation to our community. As a ... Read More

Communities We Serve: the experienced personal injury lawyers at Dallas & Turner, PLLC serve clients all across Kentucky and Northern Kentucky, including Boone County, Kenton County, Campbell County, and Floyd County, as well as the following cities: Florence, Covington, Erlanger, Edgewood, Elsmere, Taylor Mill, Newport, Fort Thomas, Prestonsburg, Burlington, Hebron, Union, Walton, Verona, Villa Hills, Fort Mitchell, Fort Wright, Ludlow, Crescent Springs, Highland Heights, Cold Springs, Southgate, Alexandria, California and Allen.

Disclaimer: THIS IS AN ADVERTISEMENT. This website is designed for general information only. The information presented at this site is not intended to be formal legal advice, nor should it be construed by as legal advice to visitors. No attorney-client relationship is created by the use of this website. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. We do not guarantee results, and any description of practice areas, case results or client testimonials should not be construed as a guarantee in any prospective future cases. Further, while our attorneys may focus their practice in certain areas, please be aware that Kentucky does not certify specialties in legal fields of practice.

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