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Will My Insurance Cover Me for the Injury I Got in a Hit-and-Run?

Posted on Tuesday, March 8th, 2016 at 7:16 am    

hit-and-runThe attorneys at Lawrence and Associates have helped many drivers who were hurt in a hit-and-run collision. These claims can be simple – for example, when the hit-and-run driver is found by the police and has alcohol in his or her system – or complex – for example, where the hit-and-run driver is never found at all. In almost every case, our attorneys can recover money from an insurance policy to fairly compensate our clients for their damages. However, in many cases the insurance carrier will initially refuse to compensate the injured driver. Depending on the exact circumstances of each case, there are several ways to get paid for your injury.

What Happens When the Hit-and-Run Driver is Found?

In cases where the hit-and-run driver is found and identified by the police, our attorneys will file a claim for damages with the hit-and-run driver’s policy first. In that situation, the insurance claim is no different from any other car wreck on the road. The injured driver looks to the hit-and-run driver’s policy first, filing a lawsuit in court if necessary. If the hit-and-run driver’s policy has to pay the limits of the policy for the injury (or close to the limits), then Lawrence & Associates helps its injured clients recover money from their own policy. However, there are certain legal requirements that come into play – such as notice requirements to the injured driver’s own insurance carrier – that can cause major problems for anyone that tries to go after insurance money without a lawyer. Injured Northern Kentucky drivers should tread cautiously!

What Happens If the Hit-and-Run Driver is Not Found?

It is tougher – but not impossible! – when the hit-and-run driver is never found, but the wreck caused an injury and property damage. In that scenario, Kentucky law states that the injured driver’s insurance policy has to pay first using the uninsured motorist coverage portion of the policy. However, in doing so the injured driver’s insurance carrier becomes adversarial, meaning the insurance company wants to save its money by not paying for the injury! Insurance companies often delay or deny claims by requiring proof in painstaking detail for each and every dollar the injured driver needs for fair compensation. Often, a different, more hostile adjuster is assigned to the case and the injured driver expecting the customary friendly service from his or her carrier is taken by surprise. In Northern Kentucky, most injured drivers without counsel are never aware that they receive less than full compensation because of these factors.

What Happens If Another Driver Causes the Accident but Never Hits My Car?

The most difficult scenario occurs when hit-and-run driver is avoided, but still causes an accident. For example, Lawrence & Associates has represented drivers who struck a tree or telephone pole when swerving to avoid a negligent driver, only to see the negligent driver flee the scene without stopping to help. Although getting money in this situation is not always impossible, it is extremely difficult to recover when there is no contact between the vehicles and no identification of the other driver. Nevertheless, good legal counsel improves your chances of recovering. At the very least, good legal counsel can give you the finality of knowing that a recovery is not possible.

Can Attorneys at Lawrence & Associates Help Me Get Money?

Lawrence & Associates is Working Hard for the Working Class, and we would be happy to help you. Our lawyers are licensed in Kentucky and Ohio, and have experience in helping all kinds of car accident victims recover fair compensation for their injuries. If you’ve been injured in a hit-and-run accident, let us help you!


Spotlight on Justin Lawrence: Partner at Lawrence and Associates Focusing on Personal Injury

Posted on Thursday, July 3rd, 2014 at 11:57 am    

Firm Founder Focusing on Personal Injury

I’ve been practicing law since October 2005 and I found Lawrence & Associates. I currently oversee all practice areas, including Personal Injury, Workers’ Compensation, and Bankruptcy. However, my hands-on work is mostly in Personal Injury litigation, particularly for products liability and admiralty cases.

Devoted to Helping People Get Back on Their Feet

I went to law school because I wanted to help people. No one needs help more than someone that’s had a traumatic life event. Whether you’ve been hurt and can’t pay medical bills, or lost your job and can’t pay your mortgage, I take a lot of pride in fact that my firm can help get you back on your feet.

I always wanted to represent people, not businesses. I would have to walk off the job the first time a business wanted me to sue a single mom, or something like that. Also, I worked at Children’s Hospital during law school and knew medical records pretty well. So I focused on an area of practice where I knew I’d be helping people and could put my medical based skills to good use. Lawrence & Associates started off practicing in personal injury and expanded from there.

The Future For Lawrence & Associates

Lawrence & Associates needs to continue to grow and sometimes it’s tough because there are a lot of cheap, gimmicky lawyers out there.  Most prospective clients have trouble telling the difference between good lawyers and bad. Getting past the static created by those silly commercials is a major challenge to my firm’s ability to represent those in need.

Lawrence & Associates wants to grow to become the premier legal representation for people in the Northern Kentucky and Greater Cincinnati areas. We want to expand our ability to help people with personal injury, workers’ compensation and bankruptcy cases, as well as expand into other areas of practice such as estate planning and elder law.

Our Firm Sets Ourselves Apart Through Client Satisfaction

We are simply the best in client satisfaction, hands down. Most of our business comes from referrals, and a lot of those are from prior clients. We communicate well with our clients and get results. All our fees are up front and there are no hidden charges. We know good service leads to more business down the road than campy commercials or tired gimmicks.

Success is Helping Our Clients with Their Problems…And Winning!

I’ve had clients hug me in the courtroom when they realize we’ve accomplished whatever we set out to do. I’ve brought in millions of dollars for my clients, including two multi-million dollar cases so far in 2014. Both are forms of success to my firm and I. My firm and I like winning, and we win a lot.

Keys to my success are empathy, public speaking, persistence, and continual learning. My background working at Cincinnati Children’s Hospital gave me a unique perspective into medical treatment that helps benefit my clients. Also, I’m one of very few people who actually enjoys and looks forward to public speaking. This helps a great deal in the courtroom. In regard to education, I’ve spent the last nine years focusing on the personal injury, workers’ compensation, and bankruptcy areas of practice, and I’ve taken hundreds of hours of continuing education in those areas.

Giving Back to the Community

I focus on helping children with disabilities. I’m on the Board of Directors of Redwood and sponsor several of their events. Redwood is a school that helps children and adults with disabilities lead happy, enriching lives that are incorporated into the mainstream community wherever possible. I have also been appointed by the governor to sit on the Commonwealth of Kentucky’s Interagency Coordinating Council for Early Childhood Development, which focuses on helping children with disabilities meet their developmental goals from birth to age three.

Favorite Quote

“Nothing in this world can take the place of persistence.” – Calvin Coolidge, 30th President of the United States

About Our Personal Injury Practice

Personal InjuryAt the firm of Lawrence & Associates in Fort Mitchell, Kentucky, we fight for the rights of people who have suffered serious injuries and the families of fatal accident victims. We work tirelessly to help our clients get compensation and deal with the medical, financial and emotional effects of serious accidents. You will have the comfort of knowing that an experienced legal team is doing everything it can to help you deal with the challenges you face. Lawrence & Associates is located in Fort Mitchell, Kentucky, and serves all of Northern Kentucky.

Contact Us (859.371.5997) for a Free Consultation


What to Do Immediately After an Automobile Accident

Posted on Thursday, May 15th, 2014 at 2:38 pm    

After an automobile accidentAccording to the a Kentucky Traffic Collision Facts Report, Kentucky reported 150,278 car accidents on public roads. Out of those reported accidents, 37,289 drivers and passengers were injured or killed. Either you or someone you know is overwhelmingly likely to be in a car accident at some point in their lives. If you are involved in a personal injury litigation arising from a car accident, you will greatly benefit from consulting a Northern Kentucky personal injury attorney. Although automobile accidents are unfortunate, there are certain things that a person can do immediately after an accident which can either help or hurt their case.

Automobile Accident Tips 

  1. Stay at the scene – If you are involved in an accident involving injury, or substantial damage to property, stay at the scene of the accident until the police give you the okay to leave. Leaving the scene of an accident can result in driver’s license sanctions and even criminal charges.
  2. Obtain information – If you are involved in an accident, it is always wise to obtain the other driver’s name, address, driver’s license number, insurance information, and license plate number. Moreover, if there are witnesses take down their name, address and telephone number which may prove useful in your case. Obtaining the police officer’s information may also prove useful when obtaining the accident report. Finally, it may be wise to take notes about the accident itself, including the location where the accident occurred, the speed limit, the weather, time of day, how the accident occurred, etc.
  3. Give a statement only to police –  It is best not to make statements to anyone at the accident scene, other than the police. You are not required to give a statement to the other person’s insurance policy.
  4. Seek medical care if you are injured – Seeking medical care immediately following an accident will help halt arguments by the other driver’s insurance company that you were not actually injured in the accident or that your injuries arose from something that occurred after the accident. In certain circumstances, we get cases where a person is injured in an automobile accident but waits until the pain is unbearable before seeking medical treatment. This not only can hurt the injured person’s case, but it also causes the person to suffer from pain unnecessarily.

Although being involved in an automobile accident may be devastating to both you and your family, there’s good news- you may be entitled to compensation! Contact Northern Kentucky law firm Lawrence & Associates today for a free initial consultation with an experienced automobile accident attorney who can evaluate your case and help determine if you should pursue a personal injury action.

Contact Us (859.371.5997) for a Free Consultation


How Personal Injury Settlements Are Handled When They Involve Minors

Posted on Friday, May 9th, 2014 at 1:29 am    

In most states, the parent of a child who has been injured and received a settlement as reparation for those injuries cannot generally access his or her child’s settlement funds.  The reason for this is to protect the child from parents who might use the money to benefit themselves, instead of the child.

“Blocked” Bank Accounts

A court will usually place a child’s settlement money in a “blocked” bank account until the child turns 18. A court will sometimes allow withdrawals from blocked accounts if the funds are needed for the child’s care and well being, and the court is satisfied that the funds are to be used for the benefit of the minor.

In Kentucky

Kentucky courts will generally follow the same rule, although there are certain instances where the courts will grant the parent of a minor access to the full settlement. For example, under the Kentucky Revised Statute 387.280, the custodian of a minor is able to petition to receive the minor’s settlement so long as that settlement is $10,000 or less.

If you or someone you know is dealing with an accident related injury involving a minor child, please contact an experienced Northern Kentucky personal injury lawyer at Lawrence & Associates!

Contact Us (859.371.5997) for a Free Consultation


Even If You Don’t Live in Kentucky, Talk to a Northern Kentucky Lawyer if You Where Hurt On the Job in Kentucky

Posted on Tuesday, May 6th, 2014 at 10:29 am    

View of Cincinnati Ohio from Kentucky

Because Lawrence & Associates is located along I-75 and conveniently close to Cincinnati, OH, we often help injured workers who live outside the state. It is very common for injured workers to work at a factory or warehouse – such as the Amazon warehouse in Boone County, Kentucky – but live in Ohio or Indiana. If you are injured while working in Kentucky, then you will be covered by Workers’ Compensation in Kentucky! Companies located within the state are not required to have Workers’ Comp insurance in the state where you live.

Kentucky’s law says that your employer has to provide Kentucky Workers’ Compensation to you if any of the following are true…

  1. You mostly work in Kentucky.
  2. You work all over, but were hired in Kentucky. This would be true for a lot of truck drivers who drive all over the country, but report back to a depot in Kentucky and were hired out of that depot.
  3. You work in a state where your employer doesn’t have Workers’ Comp insurance, but were hired in Kentucky. This is true for a lot of people that live in Cincinnati and work out of their homes in Cincinnati, but have been hired by a company in Northern Kentucky.
  4. You work outside the country, but were hired in Kentucky.

The Bottom-line

Basically, if you were injured while working in Kentucky or were hired in Kentucky and got injured elsewhere, you should consider talking to a Kentucky Workers’ Compensation attorney.  At Lawrence & Associates, we have helped many people just like you receive full and fair compensation for your injuries.

If you or someone you know has a Workers’ Comp issue, please contact a Northern Kentucky Workers’ Compensation Attorney today. Melissa Doss and Lawrence & Associates can help!

Contact Us (859.371.5997) for a Free Consultation


Ways to Improve Your Credit Score After Bankruptcy

Posted on Friday, May 2nd, 2014 at 2:24 pm    

Declaring bankruptcy is a decision that affects not only your finances but also may affect your credit score. In fact, one of the biggest concerns that people have when considering bankruptcy is how it will affect their credit score. While filing bankruptcy may decrease your credit score short term, it may not affect your credit score as much as you may believe. If you are considering filing for bankruptcy, it is likely that your credit is already low because of maxed out credit cards, late payments and mounting debt.

Credit Scores and Bankruptcy

Your credit score may also be affected by multiple factors including your payment history, outstanding debts, how long you have been using credit and by the types of credit that you use. It is important that you understand what happens when you file a bankruptcy. A bankruptcy can remain on your credit report for up to 10 years, and there is a good chance your FICO score will be low until you have started rebuilding your credit.

Ways to Improve Your Credit Score After Financial Hardship…

  1. Review your credit report – The first thing you should do is obtain a copy of your credit reports and make sure there are no errors or inconsistencies.
  2. Pay bills on time – Your payment history makes up 35% of your credit score. One of the easiest ways to improve your score is to make sure you pay bills on time.
  3. Apply for credit, but make sure you pay the bill off in full each month – You don’t have to carry balances on your credit cards in order to build good credit.
  4. Beware of credit repair services – You may receive offers from credit repair services promising to help repair your credit. Beware that the fees are high and it’s best to rebuild your credit on your own at no cost.
  5. Know your limits on your credit cards – Once you begin re-establishing credit, it is crucial to know the limits on your credit cards and to keep your balances well below them. Use your cards sparingly and continue paying the bill on time.
  6. Do not close accounts – It’s best to keep the credit lines open, however, if you’re tempted to spend over the credit limit, cut up the cards.

The most important lesson to learn is to be patient. The road to bankruptcy did not happen overnight and neither will the road to improving your credit. By following the guidelines above, you can move toward a better financial future and improved credit score.

If you are a Kentucky resident that is interested in filing bankruptcy, call Lawrence & Associates today. We can help!

Contact Us (859.371.5997) for a Free Consultation


Filing a First Report of Injury (FROI) Form is Not the Same as Filing a Claim for Workers’ Compensation

Posted on Thursday, May 1st, 2014 at 3:40 pm    

Workers Comp - Lawrence and AssociatesIn today’s world almost every employer has procedures in place when an employee is injured on the job. In many cases it involves documenting the events that led to the injury and recording them on a form for future use and reference. In Kentucky’s workers’ compensation system, this form is often referred to as a First Report of Injury (or FROI). 

First Report of Injury (or FROI)

In this report, the date and location of the injury and the circumstances surrounding the injury are disclosed. When an employee is injured on the job, the employer works with the injured worker in order to complete the form. Once the form has been completed, it is generally kept on site at the workplace. In addition to being kept on site, the employer should submit this form to the Department of Workers’ Claims in Frankfort, Kentucky. The FROI provides as a documentation of your injury, which can provide helpful information concerning your workers’ compensation claim down the road.

Filing the FROI Isn’t the Same as Filing  a Claim for Worker’s Compensation

Working with your employer to complete and file the FROI is not how an injured worker files a claim for workers’ compensation benefits. Many injured workers are under the impression that they have filed a claim for workers’ compensation benefits by filing a First Report of Injury. This is not true. Filing a First Report of Injury with your employer is helpful in your claim but it is not the same as filing a claim for benefits. It is key to understand the difference between filing a FROI and a workers’ compensation claim because in Kentucky, the statute of limitations for filing a workers’ compensation claim is two years from the date of injury or two years after the last temporary total disability payment, whichever comes later. Although a FROI should be completed as soon as an employee is injured, filling out the FROI is insignificant for purposes of the statute of limitations for filing a workers’ compensation claim. In other words, you can fill out a FROI and still lose your rights to benefits if you do not get an attorney and file a claim with the Department of Workers’ Claims.

If you or someone you know has a Workers’ Comp issue, please contact a Northern Kentucky Workers’ Compensation Attorney today. Danielle Lawrence and Lawrence & Associates can help!

Contact Us (859.371.5997) for a Free Consultation

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