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By J.A. Sowell, Attorney
English, Lucas, Priest and Owsley, LLP

Snow is beautiful when you’re tucked inside with hot chocolate and have nowhere to go. But that’s not the case for most of us. You may have a doctor’s appointment, work duties or errands to run that demand you leave the house before the snow is gone.

In most cases, businesses do a nice job of getting out and clearing snow and ice from sidewalks and steps to keep their own employees and customers safe. You might wonder what your own duties are at home or at your business. Are you required to clean your sidewalks? What about your steps?

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By Kyle Roby, Partner
English, Lucas, Priest and Owsley, LLP

commercial vehicle accidents Kentucky

Roads throughout Kentucky, but particularly in our area, are snow-covered, ice-packed and impassable at places today. Many work places, including our own, closed today so our employees can stay home and be safe.

While we have that option, not everyone exercises that much caution when dealing with hazardous weather. It’s somewhat understandable. Some businesses, such as hospitals, don’t ever close for any reason.

There are also some people who think the rules don’t apply to them, and they don’t exercise due caution, and that is much more concerning.

Today, we are hearing news reports of a multi-vehicle accident on Interstate 65 in Hart County. Police scanner traffic indicates the accident involves a Greyhound bus, two commercial vehicles and two passenger vehicles. I follow Joe Imel on Twitter (who doesn’t?) and he gave out details as he heard them, as well as posted a Kentucky State Police report on the accident.

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By Bob Young, Attorney
English, Lucas, Priest and Owsley, LLP

uninsured motorist insuranceEvery car owner in Kentucky is required to carry liability insurance on their automobile. Liability insurance means that if you are involved in an accident with another vehicle, and you are at fault, your insurance will pay for the damages to the other vehicle and for their injuries.

But what happens if you’re involved in an accident, it’s the other person’s fault and the other person isn’t carrying the required insurance? Or what if your injuries or your passenger’s injuries are greater than the coverage the other person is carrying?

If the at-fault drivers has no coverage, that would mean your own uninsured motorist insurance policy would pay the bills for your treatment and cover the pain and suffering for injuries suffered by you or anyone in your vehicle. If the at-fault driver does not have sufficient coverage, underinsured motorist coverage, again, on your own policy, would cover these bills and damages, to the extent the at-fault driver does not have adequate coverage.

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By Kyle Roby
English, Lucas, Priest and Owsley

emergency-room-photo-300x199When you are injured in an accident, you may sue to recover the costs of reasonable and necessary medical treatment following the incident. How do you determine what those costs are and the reasonableness of them? Is it the medical bill itself? Is it what your health insurance paid? Is the other side entitled to a credit or set-off if the cost of your medical bills are reduced by insurance payments or the hospital charges a different rate for your health insurance? These are some of the questions you may have when trying to determine what is the reasonable cost of medical treatment in a personal injury case.

In most states, Courts will follow what is known as the collateral source rule. The collateral source rule is a rule of evidence that prohibits the admission of evidence that the plaintiff or victim has received compensation form other than the damages sought against the defendant. Typical examples of a collateral source are medical bills paid by health insurance or payments made by workers compensation.

Recently, the Tennessee Supreme Court was faced with the question of what was the reasonable cost for medical services in personal injury cases. This case, Dedmon vs. Steelman, is an important win for Tennessee patients and personal injury victims. The Tennessee Supreme Court heard the case in April and issued a ruling on November 17, 2017.

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street-building-construction-industry-300x200When a person who is injured due to another party’s careless conduct files a lawsuit, he or she may expect the matter to be concluded either by a jury trial or by a settlement.

However, a significant number of Kentucky personal injury cases – especially premises liability lawsuits arising from slip and falls, trip and falls, and fall down accidents – are resolved via a motion for summary judgment.

By granting summary judgment, a trial court is saying, in essence, that even if everything the plaintiff says in his or her complaint is true, the defendant is entitled to a judgment as a matter of law. Summary judgment is only appropriate in situations in which no genuine issues of material fact must be resolved in order for the issues to be decided.

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bicycleBy Kyle Roby
Attorney and Partner
English, Lucas, Priest and Owsley, LLP

Each state has its own rules as to how to handle a case in which both the plaintiff and the defendant are alleged to have been negligent in causing an accident. In a Kentucky car wreck case, the law of pure comparative fault applies. (In some other states, the rule may be modified comparative fault or pure contributory negligence.)

Under the doctrine of pure comparative fault followed in Kentucky, the plaintiff can recover money damages from the defendant as long as he or she is not found to be 100% at fault; however, he or she is only entitled to recover the percentage of total damages attributed to the defendant’s negligence.

Such cases are often hotly contested, since each party may try to pin all or most of the blame for the crash on the other side.

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By Kurt Maier, Attorney and Partner
English, Lucas, Priest and Owsley, LLP

car wreck in KentuckyAs we approach Thanksgiving, travel is on the minds of many Americans.

AAA typically releases a travel forecast for Thanksgiving, but hasn’t done so yet this year. In 2016, AAA predicted that 48.7 million people would travel for Thanksgiving, with driving being by far the most popular option for getting to that destination. This was an increase from previous years, thanks to lower gas prices and improved economic conditions.

Much of that travel is by car, with many heading out on Wednesday, November 22, this year to visit family for Thanksgiving. In the south, it seems like there is road construction year-round, and that creates a lot of stop-and-go traffic. Top that off with uncertain chilly weather that can even turn icy and you’ll find a near-perfect set up for car wrecks.

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city streetFiling a personal injury lawsuit against a city can be very tricky. If certain rigid procedural requirements are not met, a plaintiff’s case can be dismissed even if a city was clearly negligent.

This is one of many reasons why it is best to consult an attorney as soon as possible after being involved in an accident. Unlike the average citizen, experienced Kentucky premises liability attorneys are well-versed in the area of negligence litigation, including the special rules that apply in cases involving a city.

Facts of the Case

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Kentucky auto accidentKentucky is a no-fault insurance state. This simply means that each party in a Kentucky auto accident case must first seek payment of medical expenses up to $10,000 from their own insurance companies through a claim for basic reparations benefits (also known as personal injury protection – or PIP – benefits). If a person sustains serious injuries, it is usually still possible to pursue compensation from the negligent motorist.

Facts of the Case

In a recent (unreported) case appealed from the Jefferson Circuit Court, the insured motorist was a woman whose vehicle was struck from behind in a multi-car accident in May 2015. At the scene, the insured motorist did not report any injuries, but there was minor damage to her vehicle’s rear bumper. The insured motorist later sought chiropractic treatment for injuries she alleged resulted from the accident, submitting the bills to the insurance company for payment under her basic reparation benefits (BRB).

The insurance company did not pay the insured motorist’s medical expenses, instead filing a petition to compel the insured motorist to give a pre-litigation deposition. The insured motorist filed a counterclaim, alleging that the insurance company’s refusal to pay her medical expenses immediately was a violation of the Kentucky Motor Vehicle Reparations Act. The circuit court found that the insurance company had shown good cause for its request for a deposition and ordered the insured motorist to comply within 30 days. It also dismissed the insured motorist’s counterclaim.

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Tennessee car accidentMost of the time, the plaintiff in a lawsuit arising from a motor vehicle accident is either a person who has been hurt in a crash or a family who has lost a loved one in a fatal traffic accident.

Sometimes, however, the plaintiff is an insurance company that has paid out benefits to an insured – typically for property damage or medical benefits – and is seeking repayment from the person whose negligence caused the crash.

Both individuals and insurance companies must follow procedural rules, including filing a claim within the statute of limitations and pursing resolution of the lawsuit in a timely fashion.

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