Empathetic Louisville Car Accident Lawyers Fighting for Victims’ Rights
A serious motor vehicle accident can leave you and your loved ones feeling anxious about what will happen next—especially if you can’t work and your medical bills far exceed what you can afford to pay.
Unfortunately, the personal injury claim process can be intimidating and frustrating to those without experience. The insurance company isn’t on your side, either. This can lead to unfairly denied claims, financial hardship, and even more emotional distress for victims.
In the days after a crash, it’s easy to miss details or make mistakes that could jeopardize your chance at fair compensation. That’s why hiring an experienced car accident attorney to guide you through the process and fight back against unfair treatment is so critical.
At Karl Truman Law, our team of experienced personal injury lawyers are here to support you through this challenging time. We’ll handle the investigation, collect medical records, analyze evidence, and negotiate with insurance so you don’t have to. We’ll represent you aggressively and fight for what’s fair—even when it means filing a car accident lawsuit and preparing for trial. But most importantly, we’ll always treat you and your family like our own family, with the dignity, respect, and personal attention you deserve.
Our Car Accident Case Results
When accident victims come to our personal injury law firm for help, we work hard to make sure the insurance company is held accountable. Our legal team is ready to make sure you get fair compensation and can recover in peace.
Serious Car Accidents Need Serious Results
Car accident cases may seem straightforward at first, but they can quickly become complicated. One of the biggest sources of frustration for victims is dealing with insurance companies, which tend to put up numerous roadblocks to achieving fair compensation.
When you hire the Karl Truman Law Office, you can count on us to investigate, build your case and handle communications with the insurance company on your behalf. We have in-depth knowledge of Louisville car accident laws, always act in your best interest, and will keep you informed on the status of negotiations with every development.
We know how insurance companies work, including their tactics to shift blame away from their insured to the victim in an accident. Our lawyers and staff prepare for these scenarios and know how to push back against unfair practices with solid evidence. We will thoroughly review any materials you present to us, as well as the police report, accident reconstruction summaries we commission, and more.
Many car accident cases are resolved via settlement before they ever see the inside of a courtroom. However, if we cannot arrive at a settlement agreement that meets your needs, we are willing to fight on your side at trial.
A Law Firm That Puts You First
At Karl Truman Law Office, our clients come first. Always.
Many car accident victims and their families are struggling physically, emotionally, and financially. They’ve been through a deeply traumatic experience. These may be some of the darkest days of their lives. And depending on the circumstances, it may be months or even years before they can get a court date or resolve their car accident case.
You cannot overestimate the importance of working with a car accident attorney that truly cares about you as a person and understands what you’re going through. At Karl Truman Law Office, our attorneys aren’t just experts in personal injury law. We also do everything we can to make sure our clients feel that they are truly cared for and that their case is in good hands.
We visit our clients in the hospital. When necessary, we help them access the medical care and support networks they need. We keep them updated at every stage of the case. If you have a question, we’ll answer it as soon as possible. And every time a big decision must be made about your case, we’ll make sure you understand all your options and can make a wise decision that meets your best interests.
Our founder, Lt. Col. Karl Truman, served in the U.S. Army Reserve for 28 years. The military values of integrity, mission focus, and staying until the job is done inform everything we do. We are dedicated to getting auto accident victims the compensation they deserve with compassion and tenacity.
Car Accident FAQs
As soon as possible after a car accident, you should take the following steps (provided you can do so safely):
- Check for injuries and seek medical care as soon as possible (even if your injuries seem minor)
- Contact the police and report the accident
- Gather name, address, phone number, and insurance information from other involved drivers
- Gather name and contact information from any eyewitnesses
- Document the accident scene (like damage to both vehicles and road debris) and your injuries with photos
- Contact an experienced car accident lawyer for a free consultation as soon as possible
The sooner you see a doctor and call a car accident attorney, the better your chances of making a successful recovery—in terms of both your health and your financial compensation.
If your crash resulted in injuries, hospital bills, or missed time from work, hiring a personal injury lawyer after a car accident is almost always worth it.
Insurance companies are notorious for denying claims or only offering you a fraction of what your case is truly worth, unless you can provide significant evidence about your crash and your injuries. The insurance adjuster’s job is to save money for the insurance company, not to be fair to you. An attorney can protect you and fight for a fair recovery.
If your car accident was a minor one, with no significant injuries, you may not need a personal injury attorney. However, because your call and initial consultation with the attorney are free, it is always to your benefit to seek experienced legal advice before deciding whether to handle your case on your own.
When you work with Karl Truman Law Office, you will never pay out of pocket for legal services. We work on a contingency fee basis for our car accident clients. That means we cover your court costs up front, and our attorney fee is charged as a percentage of your total settlement or trial verdict award. It also means that if you do not win your case, you owe us nothing.
As a leading cause of serious injury and death, car accidents can impact victims’ lives in many different ways. Although the injuries you suffer may vary, the effects can change your life long-term or even forever.
Some of the most extreme car accident injuries include:
- Traumatic brain injuries
- Spinal cord injuries
- Whiplash and other neck injuries
- Back injuries
- Broken bones and other orthopedic injuries
- Damage to internal organs
- Amputation injuries
- Burn injuries
- Scarring and disfigurement
Extensive medical treatment is often necessary for these injuries, and most require ongoing rehabilitation. As a result, the lifetime costs can be enormous.
If you were injured in a car wreck that wasn’t your fault, you shouldn’t have to bear these medical expenses on your own. The attorneys and staff at the Karl Truman Law Office make it their mission to achieve the fair compensation you deserve for your car accident injuries. If you or a loved one have suffered injuries during a car crash and need legal representation, contact us today.
We understand that no two auto accident cases are exactly the same. All the circumstances, from the cause of the crash to the injuries you suffer and the damages you sustain, are unique to you.
This range of factors means that, if you want to truly know what your case is worth—and develop a legal strategy that gives you the best chance at maximizing your compensation—you need to speak to an experienced personal injury lawyer.
Possible compensation that may be available to you after your car accident includes:
- Medical bills, including emergency treatment, surgeries, and hospital stays
- Lost wages from the time you missed from work
- Loss of future earnings, based on what you stood to make if the accident hadn’t disrupted your career
- Costs associated with physical therapy, occupational rehabilitation, and other ongoing care
- Expenses you incur to modify your home or vehicle
- Pain and suffering
- Mental and emotional anguish
- Costs of property damage
If your loved one died in a car accident, our lawyers can pursue compensation via a wrongful death lawsuit on your family’s behalf. This money may not ease the pain of losing someone you love, but it can help address some of the economic and non-economic burdens families face after an unexpected death, including:
- Loss of wages
- Expenses for medical and palliative care your loved one received before passing
- Funeral, burial, and cremation costs
- Loss of companionship and guidance (loss of consortium)
Punitive damages may also be available in fatal and non-fatal motor vehicle accidents in cases where the crash was caused by extreme negligence or a willful intent to cause harm. Though rarely awarded, juries in Kentucky and Indiana have the option to award additional compensation in the form of punitive damages as a means of penalizing the at fault driver and preventing future wrongdoing.
Yes, you can still make a car accident claim or file a lawsuit even if you did not obtain a police report. A police report is just one piece of evidence in a personal injury claim.
However, police reports are usually given significant weight when an insurance company or jury is evaluating your claim. If you don’t have one, your attorney will have to rely on other sources of evidence to prove that the other driver was at fault for the accident. This may make your case take longer or even make it harder to win, especially if the other driver is lying about what actually happened.
Indiana requires drivers to report an accident immediately if it results in death, injury, or property damage more than $750 in value. Kentucky requires drivers to report an accident resulting in death, injury, or property damage more than $500—although drivers have up to 10 days to report.
For these and other reasons, we strongly encourage people involved in a car accident to always call the police and get an accident report.
Legally, you have until your state’s statute of limitations to file a personal injury lawsuit. In Kentucky, this is typically one year from the date of the accident. In Indiana you typically have two years from the date of the accident.
However, it’s essential that you contact an attorney and begin working on your case as soon as possible, regardless of the legal deadline. The longer you wait, the harder it will be for your lawyer to “pick up the pieces,” gather the necessary evidence, and build a strong case before a lawsuit must be filed. Critical evidence may even disappear entirely if you do not act quickly to preserve it.
There are many reasons why it can take a long time to settle a car accident claim. The process can get bogged down if you have serious injuries that take a long time to recover from, you’re claiming a significant amount of compensation, or there are any factual problems with your case. While timelines vary significantly, the reality is that most car accident cases take one year or more to settle.
The insurance company’s goal is to save money. If there’s uncertainty about who caused the accident or you’re making a large claim, they will take their time. They might offer you a quick, lowball settlement offer to try to make your case go away. But if you don’t take it, they aren’t going to budge unless you or your attorney gather a substantial amount of evidence that supports a higher settlement.
Waiting months or even years for fair compensation is stressful, but ultimately it’s better to get a fair settlement than a quick, bad one. Your attorney can help you deal with medical bills and put collection efforts on hold until after your legal case is complete.
If you were in a fender bender and only suffered property damage—no injuries—you probably don’t need a lawyer to represent you. In fact, most personal injury attorneys won’t take those kinds of cases.
Dealing with a property damage-only claim can still be complex and stressful, however. If you are currently in this situation, we highly recommend downloading a copy of our quick guide, After a Car Accident: Your (Legal) Survival Guide to Handling a Property Damage Claim Without a Lawyer.
If your crash was serious enough that you needed a hospital visit, medical treatment, or missed time at work, you should schedule a free consultation with a trustworthy personal injury lawyer to discuss your legal options. Even a “minor” car accident can still sometimes cause significant financial hardship, and you have a right to fair compensation by those who caused your injury.
A case review is free and there is no obligation, so even if you don’t end up hiring an attorney, there’s no reason not to seek expert advice as soon as possible.
Yes, in the short term, your health insurance will cover your medical care after a car accident. However, it is considered a secondary form of insurance in these cases. Auto insurance policies are meant to be the primary source of coverage for medical bills. Once you have used up all your available car insurance coverage, your health insurance takes over.
In practice, however, the situation is more complicated. It may take months or even years to get a settlement from the auto insurance company. Meanwhile, you have hospital bills piling up.
Generally, what happens is that your health insurance will cover your medical care up front, after you’ve used up any personal injury protection coverage (PIP, also known as “no fault”) you have in your own personal auto insurance policy. Then, once you get your full car accident settlement, you’ll need to pay back your health insurance provider from settlement funds.
In the meantime, your lawyer can help you set up an arrangement with your health provider to stop their collection efforts until after your case is complete. They also may be able to negotiate with your health providers to settle your debt for less than the full amount you owe.
If you’ve been injured in an auto accident, the wisest decision is to say nothing to the insurance company. Let your attorney handle it.
The insurance company wants to settle claims as cheaply as possible. They use tactics to get injury victims to say things, on record, that could be used against them. You might accidentally say something that sounds like an admission of guilt or make a misstatement. The insurance company can then use those mistakes to damage your credibility.
We strongly encourage you to never agree to give a recorded statement to the insurance company, and always talk to an experienced personal injury before dealing with an insurance adjuster.
There are many critically important differences between typical car accident cases and auto accidents that involve a commercial vehicle, such as a semi-truck. Here are a few of the most important:
- Truck accidents tend to result in more severe injuries, due to the sheer size and weight of most commercial vehicles.
- Truck accidents tend to be much more legally complex, since there are more parties that could potentially be at fault—for example, the truck driver, the trucking company, a mechanic, or an equipment manufacturer.
- Truck accident cases tend to result in higher settlements, since trucking companies must carry substantial insurance policies. However, they can also be tougher to win without an experienced attorney since the cases are complex, require a lot of evidence, and trucking companies and insurance companies defend themselves aggressively.
If you’ve been injured in an accident with a commercial vehicle, we encourage you to speak with an experienced truck accident lawyer as soon as possible.
In most car accident cases, your damages are paid by the insurance company of the at-fault driver, up to the policy limits of the insurance policy. (In Kentucky, you may also have personal injury protection or “no fault” insurance that will provide primary coverage for medical bills and lost wages). However, the minimum amount of coverage drivers are legally allowed to carry is fairly low. This means that if you suffer a moderate to severe injury, your medical bills, lost wages, and fair compensation for pain and suffering may be much greater than the available “no fault” and/or liability insurance benefits.
When this happens, you basically have two options. One is to see if there are other available sources of insurance, such as uninsured or underinsured motorist coverage (UM/UIM) within your own auto insurance policy. Two is to sue the at-fault party directly for their own personal assets. However, if they have few assets and no way to pay you, there’s little you can do.
This is why we strongly urge all drivers to purchase as much UM/UIM coverage from their own insurance company as they can realistically afford. UM/UIM coverage tends to be relatively inexpensive for the amount of coverage you get and can protect you if you are badly hurt in a crash with an at-fault driver only carrying the minimum liability insurance coverage.
Learn How to Fight Back Against the Insurance Company
After you experience a serious automobile accident, it can be hard to know what comes next. Learn more about personal injury claims from the lawyer who wrote the book on it, Karl Truman. In his free book, 7 Fatal Mistakes That Could Wreck Your Auto Case, Karl provides straightforward legal insight to accident victims without the jargon. Although nothing compares to a one-on-one consultation, Karl’s book is a great starting point for injury victims looking to learn more about personal injury claims.
Count on the Colonel—Contact Us Today
When you need legal representation you can trust, contact the Colonel. At Karl Truman Law, we know personal injury law and are ready to fight for your rights when you need us most. If you or a loved one need legal assistance after an accident, contact our team today or call us at (502) 222-2222 to schedule your free consultation with one of our experienced personal injury lawyers.
The content provided here is for informational purposes only and should not be construed as legal advice on any subject.