Posts Tagged ‘auto’

Veil of Secrecy Surrounds Toyota Black Boxes

Thursday, March 4th, 2010
More Trouble for Toyota

More Trouble for Toyota

The AP reported on Toyota’s efforts to block access to black box information that could explain crashes blamed on sudden unintended acceleration.  The AP investigation found that Toyota was inconsistent and even contradictory in revealing what the black boxes record.  According to the report; “Toyota’s “black box” information is emerging as a critical legal issue amid the recall of 8 million vehicles by the world’s largest automaker. The National Highway Transportation Safety Administration said this week that 52 people have died in crashes linked to accelerator problems, triggering an avalanche of lawsuits.”

You can read the entire article recapping the AP’s investigation here.

I previously posted on Toyota’s problems back in mid-February.  At that time, I posted that more information was likely to come to light before Toyota’s problems faded from public view.  Looks like I was correct.  Toyota’s public image has certainly taken a hit.  Not only should we question Toyota’s reputation as an automaker who makes better more dependable cars, but perhaps more importantly, its reputation as an automaker that makes safer ones as well.

I’ll make another prediction.  Before this issue is over, embarrassing evidence will come to light showing that Toyota has known about the problem of sudden acceleration for years, but that it has tried to hide the problem from regulator’s and customers for some time.  Stop back by for results on my prediction in the weeks to come.

Kentucky Accident Information is Now Available on Your iPhone.

Friday, February 12th, 2010
Access Accident Information Directly from Your iPhone.

Access Accident Information Directly from Your iPhone.

You can now directly access Kentucky Accident Information directly from your iPhone or iPod Touch.  Simply type “kyaccidentinfo.com” into your mobile phone web browser.  A new easy to use mobile version of Kentucky Accident Information will appear.  Access information regarding your car, truck, or motorcycle accident, post comments or questions, or contact The Brutscher Law Office about your accident from your mobile phone.

Crash Test: ‘59 Chevy vs. ‘09 Chevy. Who Wins?

Wednesday, December 2nd, 2009

Weather and Rush Hour Traffic Cause Two More Accidents

Tuesday, November 17th, 2009
Weather a Big Contributor of Accidents

Weather a Big Contributor of Accidents

I came across two more accidents this morning involving rush hour traffic and tractor trailers. This time, however, weather also appears to be a factor. The first accident happened when a car turned left in front of another on Taylor Blvd. The second was reported by the Courier Journal and involved a tractor trailer and SUV on I-65 at hospital curve earlier this morning.

Both occurred during rush hour traffic, when traffic is at its heaviest. One involved a tractor trailer on the Interstate. Weather most likely contributed to both. Anyone driving long enough has at one time or the other noticed the difficulty in driving when weather conditions are bad. Rain, sleet, snow, and other moisture impair visibility, reduce tire traction, and decrease reaction time. It’s not too surprising that given today’s conditions that several accidents happened.

Be sure when driving during rush hour traffic that you drive defensively and take into consideration the amount and flow of traffic. Most drivers know that driving fast or being impatient does nothing to decrease the time they spend in rush hour traffic. When weather conditions are bad, particularly during rush hour, even more caution should be used. Be sure that the path is clear and that visibility is not impaired before assuming it’s safe to turn or enter traffic. Give yourself more time to make maneuvers because roads and other surfaces are slick. Reduce your speed and exercise even more caution. The few extra seconds you spend beats the time, money, and injuries incurred in an accident.

Remember, if you’ve been injured due to someone’s failure to exercise care in bad weather conditions, you have a right to compensation for your injuries. If so, you should seek the services of a qualified Kentucky Accident Attorney.

Do I Have A Claim If I Was Injured By A Driver Without Insurance?

Friday, October 30th, 2009
money for car insurance

Does Your Car Insurance Protect You?

The Brutscher Law Office often receives questions regarding the ability to maintain a claim for injuries received in a car accident when the offending driver does not have insurance.  Often, the person will assume that since the other driver didn’t have insurance, they do not have a claim.  They are later surprised to discover that they not only have a claim, but that they may have a source of insurance recovery.

Uninsured Motorist Coverage (UM) is coverage that is provided by your insurance company in the event you are injured by a motorist driving without insurance.  You pay a premium for this coverage to your own insurance company.  If you are hurt by an uninsured driver, your own insurance company will step into the shoes of the other driver’s insurance and provide a source for your recovery.

Kentucky law requires that insurance companies offer this type of coverage, which is mandatory.  However, be aware of agents offering to reduce your premiums or lower your rates at the expense of UM coverage.  In order to reject this mandatory coverage, Kentucky law requires that you execute a rejection in writing, evidencing your intent to do so.  Many people mistakenly reject this coverage, thinking that the money they save in premiums is worth it.  Only after they are struck by a motorist without insurance do they realize they have made a mistake.

The chance of being struck by an offending driver who lacks insurance is far greater than any premiums you pay for the coverage.  It’s a sure bet that someone is driving on the roads today without insurance.  During economic  downturns the chances only increase.  Someone who is reckless enough to drive without insurance is reckless enough to cause an accident.  Don’t be a victim of someone’s selfish behavior.  Beware of agents selling you car insurance without UM coverage.  Make sure your policy has UM coverage.

Smaller Cars Linked to Larger Insurance Rates?

Friday, July 17th, 2009
Smaller Car Equals Larger Insurance Premiums

Smaller Cars Equal Larger Car Insurance Premiums.

MSN Money has a nice article on smaller cars leading to larger insurance premiums.  You can read the entire article here.   While smaller cars lead to better fuel savings, which is a big deal right now, they most likely will lead to larger insurance premiums as well.  The Honda Civic and Toyota Prius are the most expensive cars to insure.  The reason might surprise you.

According to insurance companies smaller cars tend to be in more accidents and suffer more collision losses.  Smaller cars tend to be inexpensive and also tend to be driven by younger more at risk drivers.  If you buy a particular model that suffers large losses, you will pay for other driver’s mistakes.  For instance, the Civic is rated at “worse than average” for personal injury losses and medical payments.  The Civic Coupe is even worse.  It is “worse than average” for personal injury and “substantially worse than average” for collision, personal injury protection, and medical payments.

Unfortunately, this could have a terrible affect on the types and amounts of insurance coverage you buy.  Many drivers might be tempted to reduce their coverage or eliminate it all together just to afford the insurance on a new, smaller car.  This could be disastrous if you are involved in an car accident.  Saving a little money a month in premiums is simply not worth the overall cost you could suffer if you are underinsured, or worse uninsured, with particular coverage.

Be sure to consider the affect a new car purchase may have on your insurance rates before you buy.  Perhaps, it’s good to also remember that bigger may just actually be better.

Make Sure Your Kentucky Accident Attorney Is An Experienced Trial Attorney

Saturday, July 11th, 2009
Hire An Experienced Trial Attorney

Hire An Experienced Trial Attorney

Not everyone involved in a Kentucky car, truck, or motorcycle accident will need a Kentucky Accident Attorney.  However, if you have suffered lost wages, incurred serious medical expenses over $1,000.00, or have been left permanently impaired or unable to work, you will.  If you are in need of a qualified accident attorney, you might wonder; “What type of attorney should I hire?”, or “What separates the many attorneys I see advertising?”

There are many factors to consider in retaining a qualified accident attorney; however, probably the most important factor that separates most accident attorneys is trial experience.  Trial attorneys, also called litigators, are attorneys who have experience in handling accident or injury claims that have resulted in a lawsuit at the courthouse.  While all experienced attorneys will try to settle your Kentucky accident claim, every claim has the potential to result in a lawsuit.  Only if you and the insurance company agree will your claim be settled.

Many accident attorneys will gladly sign up your case and attempt to settle it; however, you will quickly find that once settlement negotiations break down, they quickly refer your case to an entirely new attorney to handle the lawsuit.  So, if you are seeking a Kentucky accident attorney, make sure that your Kentucky accident attorney is an experienced trial attorney, who is willing to file a lawsuit to fight for your rights to compensation when the insurance company refuses to be fair.

Does Your Kentucky Car, Truck, or Motorcycle Accident Attorney Know Insurance Law?

Monday, June 15th, 2009
Does Your Kentucky Accident Attorney Know Insurance Law?

Does Your Kentucky Accident Attorney Know Insurance Law?

You see many advertisements for car, truck, or motorcycle accident attorneys in Kentucky promising to, “get you the compensation you deserve.”  However, nothing is mentioned about the insurance companies or policies from where this money comes.  Lawyers and most sophisticated clients know that the money will come from the insurance company for the party at fault for the accident if he or she has one and from the injured party’s insurance company if he or she doesn’t.  But simply because an accident attorney knows where to get the money doesn’t mean they know how.

Many accident attorneys will settle your claim with the insurance company without knowing what your case is worth.  They may demand entirely too much or even worse, seek to settle your case for too little.  Some might not even be able to describe to their client’s why they think you should settle for a particular amount offered by the insurance company.  If the insurance company refuses to pay due to some policy exclusion or coverage defense, then that attorney may be unsure how to fight for you to make sure that the insurance company is being fair.

Make sure that your car, truck, or motorcycle accident attorney knows insurance law and understands insurance policies, their specific coverages, and exclusions to coverage.  Retain an experienced car, truck or motorcycle accident attorney with a proven record of handling injury claims and one with knowledge of insurance companies and their practices and procedures.  Don’t get less or worse nothing, because your Kentucky accident attorney doesn’t know insurance law.

Things You Should Know About “Full” Coverage

Tuesday, May 26th, 2009
Does Your Insurance Policy Really Provide Full Coverage?

Does Your Insurance Policy Really Provide Full Coverage?

When I ask my clients about the amounts and types of coverage they have, I am often told that they have “full” coverage.  While I suspect this might be true, you should know that “full” coverage may not mean what you think.  Here are some things you should know.

“Full” coverage  typically means that your car, truck, or auto has liability coverage and collision or comprehensive coverage.  What’s the difference?  Liability insurance protects you in the event you’re in an accident that is your fault.  If someone is injured or their property damaged, your liability coverage will provide protection and pay compensation to the injured person.  In Kentucky, it is mandatory that all motor vehicles carry at least $25,000 in liability coverage.

Collision coverage will pay to have your car fixed, if it is damaged in an accident with another car.   Comprehensive coverage will pay to have your car fixed, if it is damaged by something other than an accident, say a falling tree branch, theft, or vandalism.

None of these coverages protect you in the event you are injured by an uninsured driver or a driver who carries insufficient insurance.  Uninsured and underinsured motorists coverage are coverages that you purchase to protect yourself.  Be sure to tell your insurance agent that you wish for these coverages to be included on your policy.  Don’t accept claims that you’re “fully” covered.  Make sure to specifically ask for these types of coverages and make sure they are provided by your agent.  If your current policy does not offer these benefits it might be wise to call you agent and have them included.

Should You Avoid PIP Deductibles?

Tuesday, May 19th, 2009
Should Your PIP Coverage Contain A Deductible?

Should Your PIP Coverage Contain A Deductible?

Kentucky law allows insurance carriers to offer PIP benefits subject to a deductible up to $1,000.00.  Like other deductibles, the PIP deductible is co-insurance you must pay first on any claim filed under that coverage.  So, if your injured in an auto, car, or truck accident and you seek medical care, you are required to pay your deductible up to the maximum amount before your insurance begins paying.

PIP deductibles, like health insurance deductibles, are appealing because they reduce the insurance premiums people pay on their auto, car or truck.  You might be tempted to save a few dollars on your bill and get the deductible, thinking you’ll never use it.  This might be a mistake.

The chances that you might be injured in an auto, car or truck accident are far greater then your chance for any other type of injury.  Medical bills from these types of injuries are usually in excess of the $1,000 deductible, leaving very few times when you avoid paying the full amount of the deductible.  Ultimately, you’re left with $1,000 in medical bills, which may be more than you can afford at a time you can least afford it. If you’re injured in a second accident within that policy year, you’re subject to another $1,000 deductible.

If you chose to have a deductible, make sure you understand the consequences.  If you are unsure a deductible has been applied, read your declaration page provided with your insurance policy.  This page outlines the coverages and premiums contained in your policy and should alert you to the need to pay a deductible if you use your PIP coverage.  Make sure you determine if a deductible is a wise financial decision.  If the cost without the deductible is less than the deductible per year, you might be better off without it.