Too often, car accident victims think that they are out of luck if they are hit by an uninsured or underinsured driver. Luckily, you can look to your own insurance policy for coverage in these situations. Kentucky and Indiana law require drivers to carry liability insurance so that if they cause a wreck, an injured party can be compensated for their injuries. Unfortunately, the law only requires drivers to carry coverage of $25,000 per person and $50,000 per occurrence. If you have been involved in a severe collision with life-altering injuries, $25,000 would be all you could recover from the at-fault driver’s insurance company. If there are several injured parties, $50,000 would have to be split up amongst all injured claimants. When someone has been seriously injured, this minimum coverage is simply not enough to cover sky high medical bills, let alone wage loss or your pain and suffering. While some people do choose to pursue a damage award from a judge or jury, even if you are successful in winning your case, enforcing a legal judgment can be challenging and requires identifying and attaching the debtor’s assets. Enter under-insured motorist coverage. While drivers are not required by law to carry under-insured motorist coverage, it can be included in your policy upon request. By electing this coverage, you are creating a safety net in the event you are involved in a severe collision with a driver that has only a minimum limits policy and it is not enough to fully compensate you for your damages. The goal of When someone is hurt due to the negligence of another person, the goal in our justice system is to use money to make a person whole again and fill in what has been lost. It is heartbreaking to see a client’s life turned upside down after a car wreck that was not their fault, find out the at-fault party is uninsured or under-insured, to see a client’s life turned upside down and only being able to recover the minimum amount because they did not have underinsured coverage. What’s in your policy?

You may have heard the term “premises liability.” This is a facet of the law which holds the company or person in possession and control of a property responsible when someone is injured on their property. It is important to note that property owners are only on the hook if you can prove that (a) the owner knew or should have known of the danger; (b) the owner failed to take reasonable measures to remove the danger; and (c) if it were not for the negligence of the owner, you would not be injured. Most premises liability claims are the result of “slip and falls” or “trip and falls.” Injuries Inside A Place of Business If you have been hurt inside or in the parking lot of a place of business because of the negligence of the owner or an employee, you may be entitled to financial compensation. Below are some of the most frequent business locations where personal injuries are sustained and what you need to know to build a winning case. Here’s where we unpack the most common business locations for personal injuries, and what you need to know to build a strong claim. Retail Store Injury Claims Learn about your right to legal protection and compensation when you slip and fall or suffer other injuries at a retail store. Restaurant Liability for Injuries Whether you broke your arm slipping on spilled salsa or were hospitalized from food poisoning, the restaurant may be liable for your injuries. Casino Accident and Injury Claims Here’s what you need to know about commercial and tribal casino liability for injuries, and how to build a strong personal injury claim. Supermarket and Grocery Store Accidents Have you or a loved one been injured in a supermarket or grocery store accident? Find out what it takes to get fair compensation for your injuries, pain, and suffering. Bar and Nightclub Injury Claims Who pays when you’re hurt in a bar or nightclub? Here’s what you need to know about getting reimbursed for your injuries. Hotel Accident and Injury Claims Is hotel management responsible for your injuries? Find out how to get the settlement you deserve for injuries at a hotel or resort. Clothing Store Liability for Injuries How to prove liability and get full compensation for injuries suffered in a retail clothing or department store. Injured at the Gym? Learn what insurance companies don’t want you to know about gym and fitness center injury claims. You can get fairly compensated for your losses. Shopping Mall Accident Claims Who pays when you’re hurt at the mall? Here’s what you need to know about filing an insurance claim for shopping mall accidents and injuries. Church Injury Claims Think you can’t sue a church? Think again. Here’s what you need to know about church liability and how to get compensated for your injuries. Beauty Salon Injury Claims If beauty salon negligence has left you burned, scarred, or suffering from infection, here’s how to get the compensation you deserve. Amusement Park Accidents Negligent amusement park and carnival operators are responsible for thousands of accidents every year. Here’s how to seek restitution for your amusement park injuries. Convenience Store and Gas Station Injury Claims Learn how to build a strong insurance claim for your slip and fall accident or other gas station injury. Tattoo Parlor Injuries How to file an injury claim with a negligent tattoo parlor’s insurance company. Don’t settle for less if you’ve suffered from a botched tattoo or piercing. Haunted House Injury Claims People of all ages enjoy haunted houses – until there’s an accident. Here’s what you need to know about seeking compensation for haunted house injuries. Home and Apartment Injury Claims Homeowners insurance can be confusing. People often don’t know what their policy does and doesn’t cover, or how to file an insurance claim when injured. When you’re injured in someone else’s home or apartment, it helps to understand all your options for seeking fair compensation. Essential Guide to Homeowner’s Insurance Think your homeowner’s policy will pay if you fall off a ladder? Think again. Get the facts on who is and isn’t covered when injured in your home. Homeowner Liability for Injuries Who pays if you’re hurt in someone else’s home or yard? Learn how to demand fair injury compensation from a homeowner policy or renter’s insurance. Injured Workers and Hired Help Learn when a homeowner is liable for injuries to workers. Here’s what you need to know if you’re a repairman, landscaper, nanny, housekeeper or any other worker in a private home. Apartment Accidents and Injury Claims Your landlord is required to provide a safe living space. Here’s how to get the settlement you deserve for apartment building injuries. Landlord Liability for Tenant Injuries Landlord problems? Here’s how to seek fair compensation when you or your child have been injured in a rented home, apartment, or public housing complex. Injury Claims and Special Circumstances People get injured in all sorts of places and circumstances. You may not know who is responsible for maintaining the property where you were injured. Sometimes it’s difficult to know what to do or who contact about injuries that occur in common places like sidewalks and parking lots. Or you may not know what to do when an employee injures you, and the negligent person’s employer tries to shirk responsibility for your damages. Persons who are incarcerated or under treatment for substance abuse are at a distinct disadvantage when they’re injured because of facility negligence. It’s important to know what you’re up against and where to find help. Learn about your legal rights to injury compensation under these special circumstances. Pedestrian Injuries in Parking Lots and Garages Build a winning claim for pedestrian parking lot injuries. Get fair compensation for a slip and fall, assault, or getting hit by a car in a parking facility. Sidewalk Injury Claims Slip, trip and fall injuries from damaged or icy sidewalks can change your life. Here’s what you need to know to seek fair restitution for your damages. Injuries on Government Property If you are injured on public property, you deserve fair compensation. Here’s how to file a successful injury claim against federal and local governments. Employer Liability for Employee Negligence Find out when you can seek financial restitution from the employer of a worker who caused your injuries. Follow the money and get what you deserve. Injured in Jail or Prison Prisoners injured in jail or prison have a right to seek compensation. Here’s what inmates need to know about injury claims against correctional facilities. Rehab Center Injury Compensation Negligent alcohol and drug rehab centers can cause serious injuries. Here’s how to get the settlement you or your loved one deserve. Common Causes of Serious Injuries It’s the owner’s responsibility to avoid liability by keeping their property free from dangers, yet millions are severely injured every year. Get the latest on the most common causes of serious injuries on public and private properties. Slip and Falls on Ice and Snow Negligent property owners can be held liable if you were injured by a slip and fall on ice or snow. Learn how to get the compensation you deserve. Wet Floor Slip and Fall Claims Here’s what you need to know about “wet floor” signs and injury compensation. Don’t settle for less after a bad slip and fall on wet floors. Stair Accident Injury Claims Stair and escalator injuries happen daily because of property owners’ negligence. Learn how to get fair compensation for trips and falls on dangerous stairs. Shared Blame for Injury-Accidents Insurance companies won’t hesitate to blame you if it gives them an excuse to deny or reduce your injury compensation. Learn about the fault-sharing laws for the state where you were injured. Pure Contributory Fault Learn why the insurance company can deny your injury claim in contributory negligence states, and how you can fight back. Pure Comparative Fault Under pure comparative negligence laws, you can seek compensation even if you’re 99 percent at fault for the circumstances leading to your injuries. 50% Modified Comparative Fault You can still get compensation, even if you share some blame for the accident. Learn how the 50 percent comparative fault rule will affect your claim. 51% Modified Comparative Fault Learn how insurance companies use the 51% bar to reduce or deny compensation to injury victims. Here’s how to get the settlement you deserve.