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Articles Tagged with law

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By Kyle Roby, Partner

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Kyle Roby

If you follow ELPO Law on social media (facebook.com/ELPOLaw; @ELPOLaw) or subscribe to our ELPO eNewsletter (click here to subscribe), you are familiar with articles with tips on how to protect your family with car insurance or what happens if you are involved in an accident involving an Uber driver. For most people who are involved in a car wreck, however, it is either their first accident or they have no idea on what happens next. Here are five things that you need to know after being involved in a car wreck:

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By J.A. Sowell, Attorney

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J.A. Sowell

Reprinted from SOKY Happenings article 4.30.20

Picture this – it is Monday evening. You are driving down Campbell Lane with your two children in the backseat headed to grab a quick dinner after soccer practice. As you approach the intersection with Scottsville Road, you have the green light. Then, out of nowhere, a pick-up truck unexpectedly tries to turn left in front of your vehicle. Despite going the speed limit and paying attention to the road, there is nothing that you can do to avoid the collision. Boom! The pick-up truck rams into your vehicle, causing it to spin out and incur significant damage. You and your kids sustain neck and back injuries from the impact. The other driver is clearly at fault. No big deal, though… his insurance will surely cover the property damage, as well as the medical bills, lost wages, and pain and suffering you endured, right?

Well… maybe. According to the Insurance Research Council, there is a 13% chance that the driver who hit you does not have any insurance at all – even though Kentucky law requires every driver to maintain a certain level of insurance coverage. There is also a good chance that while the driver has car insurance, he only carries the minimally required coverage, which may not be enough to fully cover the damages you sustained from the accident he caused.

So, what can you do to make sure your family is protected in a situation like this? You can prepare for these unimaginable situations by obtaining uninsured and underinsured motorist coverage on your automobile insurance policy.

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English, Lucas, Priest & Owsley, LLP (ELPO Law) announced today that a jury has awarded over $7.1 million to ELPO Law clients who were involved in a truck wreck in 2017.

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Kyle Roby

Charles Basham and Jeff Basham have been in the towing and truck wreck business all of their lives. They have worked alongside their parents, who own Basham’s Towing, for as long as they can remember. Jeff and Charles, at the time of the wreck, also owned their own businesses repairing trucks and hauling heavy equipment respectively. Neither one of them ever imagined what would happened to them in the early morning hours of September 26, 2017.

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By Kyle Roby, Partner

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Kyle Roby

Most of us use the ride sharing service Uber when we need a ride because our car is in the shop or we are planning an evening out on the town. When you call for an Uber, the last thing on your mind is what happens if you are injured in an accident while riding in an Uber. However, as statistics show, accidents involving Uber drivers occur more frequently that one would imagine. Sometimes the Uber driver is at fault while other times it is the fault of another driver. But what happens to you – the passenger – if you are injured? Who will pay you medical bills, lost wages, or other damages?

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By Bob Young, Managing Partner
English, Lucas, Priest and Owsley LLP

In 2012, there was a national outbreak of fungal meningitis caused by poor manufacturing conditions at New England Compounding Company (NECC). Out of the 753 cases reported to the Centers for Disease Control, 234 individuals contacted fungal meningitis, while more than 300 individuals suffered from fungal infections. Sixty-four patients in nine states died.

We represented 32 patients from Kentucky and Tennessee, tracking the cases through the courts for more than five years. Even as NECC filed bankruptcy and the clinic that administered the injections in Tennessee closed down, we still gained settlements for our clients.

It was an incredibly complicated case, but for our team, it was all in a day’s (or a few year’s) work.

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

Chances are, we’ve all been stopped on a road by a person holding a brightly colored flag as roadwork commenced in front of us. It’s so common it’s unremarkable, and expected whenever there is construction on roads (which seems like most of the year in Kentucky).

In a recent case we handled in Edmondson County, a stopped truck didn’t have a spotter or flagger directing traffic around a cement truck blocking the roadway, and it nearly resulted in the death of our client. The general contractor did not have temporary traffic control devises in place and the concrete truck company did not train its drivers on what to do when the required devices are not present.

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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 OwsleyWhen 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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Most personal injury lawsuits settle out of court, but some do proceed to trial. Most often, this happens because the parties disagree as to who was at fault, the amount of damages to which the plaintiff is entitled, or both.

When one party is displeased with the jury’s decision, he or she has the right to appeal the trial court’s entry of judgment on the verdict to a higher court. However, much deference is afforded to the jury’s verdict, and the burden is on the appealing party to convince the appellate court that a legally reversible error was made in the lower court.

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Lawsuits arising from 18-wheeler accidents can be very complex. One reason for this is that the tractor and trailer may be owned by or insured by different entities. This greatly complicates the path to recovery of a fair settlement or judgment for a person injured in a semi-truck wreck.

In a recent case, a rather unique issue arose. The owner of a certain tractor-trailer requested liability insurance on both the tractor and the trailer, but the insurance agent accidentally left the tractor off of the list of the trucking company’s vehicles when she sent the application to the insurance company.

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