Med Pay In KY

What Is Med Pay In Kentucky?

The short answer is that Med Pay is a form of insurance that only pays for medical expenses resulting from injuries sustained in accident.  In many states, it is incredibly important to those injured in auto accidents, however because Kentucky is what we call a PIP (Personal Injury Protection) state; which makes it less important in car wreck litigation.  The reason being that PIP will cover everything that Med Pay covers, but it will also cover lost wages.

In Kentucky Med Pay Is Important In Premises Liability

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Suboxone Treatment In KY

Suboxone Treatment For Substance Abuse In Kentucky

In modern America you would be hard pressed to find anyone who has never been affected in some way by substance abuse addiction.  Most of us have had at least one relative or close friend struggle with substance abuse.  Addiction can ruin lives and often leads a person to have an interaction with the legal system.  Because Hurst & Hurst often handles the legal problems that result from addiction we try to keep abreast of the available treatment options. One newer treatment option is suboxone treatment.

One of the methods used by healthcare providers to attempt to treat addiction to controlled substances is called Medication Assisted Treatment (MAT).  In an effort to learn more about MAT, Attorneys Rebecca Hurst and Daniel Hurst attended a seminar February 2016, called “Legal Advocacy and Suboxone” put on by the 50th Judicial Circuit Model Court which took place in Danville, Kentucky.  The seminar was attended by Judges, prosecutors, lawyers, social Continue reading

KY No Fault And PIP Insurance

Personal Injury Protection (PIP) And No Fault Insurance in Kentucky

What Are PIP And No Fault Insurance In Kentucky?

The Motor Vehicle Reparations Act (MVRA) mandates insurance companies offer Personal Injury Protection (PIP) with all auto insurance polices sold in the State of Kentucky. The purpose of PIP coverage is to allow a driver to have their car insurance company pay their medical bills and other expenses like lost wages without regard for who caused the car wreck. This is why it is often referred to as No-Fault Insurance.

For people involved in car accidents that only caused minor injuries often their PIP coverage will make them financially whole. For someone with more serious injuries that were caused by a negligent driver, it allows them to receive the medical treatment they need and receive payment for lost wages while attempting to resolve the matter with the at fault driver’s insurance company.

How Much Does PIP Cover In Kentucky?

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Do I Need UM Coverage In KY?

Do I Need Uninsured Motorist Coverage (UM) In Kentucky?

Uninsured Motorist Coverage (UM)

The purpose of Uninsured Motorist Coverage (UM) is to protect yourself in case you are injured in an auto accident by someone who doesn’t have car insurance. This can easily be confused with Underinsured Motorist Coverage. However, they are separate and distinct types of coverage.

UM is for when you are hurt in a car wreck where the other driver has no insurance at all. It can also be used in cases where the driver fled the scene and cannot be identified. Continue reading

Do I Need UIM Coverage In Ky?

Should I Have Underinsured Motorist Coverage In Kentucky?

What Is Underinsured Motorist Coverage (UIM)?

The purpose of Underinsured Motorist Coverage (UIM) is to protect yourself in case you are injured in an auto-accident by someone who has insurance coverage that is insufficient to cover the cost of your losses.

When most people think of losses in a car wreck the first thing that comes to mind is the damage to their car, but this is often just the tip of the ice berg. Modern medicine is a wonderful thing that can save lives and cure injuries in ways once not thought possible, but if you are seriously hurt in a car wreck you will find the costs of your medical treatment quickly surpass the cost of replacing your vehicle; in addition to lost wages.

Why Should I Have Underinsured Motorist (UIM) Coverage In KY?

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How Much Car Insurance Do I Need in KY?

Understanding Car Insurance Policies

What is Car Insurance?

Generally, when you ask someone about their car insurance policy they will simply tell you if they have full coverage or liability insurance. Unfortunately, for someone injured in an auto accident this is the least important part of the policy.

If you ask the same question of most attorneys, they answer with a set of numbers. The numbers they are referring to are their insurance policy limits This means the maximum amount their insurance company will pay if they are involved in an accident. They might give an answer like $300,000/$500,000 for bodily injury and $300,000 for property damage.

The reason they give two numbers is insurance companies’ cap how much they will pay for the injuries of a single person and how much they will pay for the entire accident. Continue reading

Can Social Media Hurt My Case?

Can Social Media Posts Hurt My Case In Kentucky?

The answer is very simply, yes. Social media posts can negatively affect basically all times of litigation, including personal injury cases, like auto accidents or wrongful death claims; criminal defense cases; and family law cases, like divorce or custody disputes.

The information you post online is not confidential or protected.  That information can be used in your case against you OR by another person suing you.  As time progresses it becomes more likely that information WILL be used against you.

As more people use social media, such as Facebook and Twitter, legal opponents often review your accounts for evidence to use against you in your case. Or to support their own case. If you think about it, it makes sense. Today people disclose tons of personal and even intimate information online. And that information can be used against you in your case. If you know you have a legal dispute ongoing, the best advice is to stop posting anything on social media until your lawyer tells you otherwise.  Also make sure your privacy setting are on the highest possible setting.  Continue reading

Statute Of Limitations In KY

What Is The Statute Of Limitations In Legal Disputes In Kentucky

I.E. What The Heck Is The Statute Of Limitation And What Does It Do

The Statute of Limitations (SOL) is the time period in which a legal claim can be brought.  SOL applies to both criminal and civil actions.  The purpose behind SOL is to prevent fraudulent or stale (old) claims from being brought into court after too much time has passed.  If a great deal of time has passed then evidence may have been lost or become confused from the passage of time, loss of memory, death or disappearance of witnesses,

SOLs are enacted by the legislature.  The statute can either extend or reduce the time limits, Continue reading