Thursday, December 1, 2022

What Is Workers’ Comp Mediation?

All disputed workers’ compensation claims in South Carolina may be referred for mediation, if the parties agree, in hopes of avoiding the need for a formal hearing. Some complex claims or claims for permanent and total disability must go to mediation. Because workers’ comp claims are for monetary benefits and sometimes for future medical treatment, it is always better to have legal representation when discussing a disputed claim.

The attorneys at Joye Law Firm can help you pursue all of the benefits you are due in a South Carolina workers’ compensation claim, including representing you during mediation. Our South Carolina workers’ compensation lawyers have stood up for injured workers for more than 50 years. We are ready to fight for you, too.

Call us now at 888-324-3100 or fill out this online form for a no-obligation, confidential review of your claim.

What Is Workers’ Compensation Mediation?

During mediation, a neutral mediator helps all sides explore ways to resolve the conflict by using specialized communication and negotiation techniques. Mediators are trained and certified by the South Carolina Bar.

In a dispute over a South Carolina workers’ compensation claim, mediation allows the opposing sides to meet and discuss their differences informally and look for a resolution before the matter is set for a hearing. Mediation is a meeting between the injured worker who is seeking workers’ comp benefits, a representative of the employer and their attorney, and a certified mediator.

The employer’s representative is required by law to have an attorney present during mediation of a workers’ comp claim. The injured worker is not required to have an attorney present but may have representation.  Because the employer will always be represented by an experienced workers’ comp defense attorney, it is extremely important that the worker be represented to protect his or her own interests.

What Is Involved in the Mediation Process?

Workers’ compensation claims are sent to mediation to provide an opportunity for the parties involved to achieve an efficient resolution of disputed issues in the claim. The hope is that mediation can resolve disputes without the necessity of a formal hearing, which saves the time and expense of preparing for a hearing.  It also removes the uncertainty of a decision by a workers compensation Commission.  It is impossible to predict what an individual Commissioner may decide in any particular case.

If you are employed and have been injured while on the job or become ill because of workplace conditions, you may file for workers’ compensation. Benefits include all medical expenses and a weekly check representing a portion of the amount of wages you were earning as you recover.

In cases of fatal workplace injuries, workers’ comp pays benefits to dependent family members.

If your employer or their workers’ comp insurer denies your claim, your case file will go to a Workers’ Compensation Commissioner. The Commissioner may hold a hearing and decide whether you are due benefits.

Before scheduling a hearing, a Workers’ Compensation Commissioner may order any claim to mediation. The two parties to a claim – employee and employer – also may request mediation.

Mediation must be completed within 60 days of the mediation order unless otherwise agreed to by the parties.

The parties share the cost of mediation unless otherwise agreed by the parties or as otherwise ordered by the S.C. Workers’ Compensation Commission.

What Happens at a Workers’ Comp Mediation Session?

The mediation is typically held at the injured worker’s attorneys’ office.  During mediation of a workers’ compensation claim, the mediator initially meets with all parties to initially discuss their respective positions. The parties then separate into different rooms, and the mediator meets with each side individually to relay information, offers and demands from one side to the other. Each side may present evidence, such as medical records, to support their suggestions for what should be done. Typically, emails are sent to the mediator from each side stating their positions and the basics of the claim.

All communications and information exchanged is confidential and cannot be disclosed outside of the mediation, even if the mediation is unsuccessful.

If the claim is resolved, all parties sign a mediation settlement agreement, setting out all the terms of the settlement. The mediator notifies the SC Workers Compensation Commission whether the claim has settled or if the parties cannot reach an agreement.

The best settlement option for your claim will depend on the facts of your case and whether you are likely to need future medical care for a work-related injury or occupational illness.

Contact Our Workers’ Comp Lawyers

If you have a workers’ compensation claim in South Carolina that is being disputed and is headed to mediation, contact our South Carolina workers’ compensation attorneys at Joye Law Firm for help. We help injured workers seek full workers’ comp benefits so they can rebuild their lives.

Call us for a free review of your workers’ compensation claim or use our online case evaluation form. Joye Law Firm has offices with workers’ compensation attorneys in North CharlestonColumbiaClinton, Summerville, and Myrtle Beach and represents injured workers throughout South Carolina. If you can’t come to us, we’ll come to you.

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Thursday, November 24, 2022

Which Trucking Companies Have the Most Accidents?

Large trucks have a significant presence on the nation’s highways. An estimated 439,206 large trucks were involved in police-reported traffic crashes nationwide in a recent year, the National Highway Traffic Safety Administration reported.

These crashes involving large trucks – gross vehicle weight rating greater than 10,000 pounds – resulted in 4,965 people killed and an estimated 146,930 people injured. Seventy-one percent of people killed in large-truck crashes were occupants of other vehicles.

Are some trucks more likely to crash than others? The Federal Motor Carrier Safety Administration (FMCSA), which regulates the U.S. trucking industry, provides a search tool, the Company Snapshot, that provides information about a trucking company’s size, commodity information, and safety record, including crash information.

Any trucking company can be involved in an accident. But those transport companies with larger fleets of tractor-trailers on the highways have a greater likelihood of recording substantial numbers of accidents. Here is what FMCSA records say about 10 trucking companies that are transporting goods across Kentucky, including 5 commercial carriers based in Kentucky.

National Trucking Companies

United Parcel Service

An interstate carrier of general freight, UPS is based in Atlanta, GA.

127,017 drivers. 21,800 power units (trucks, tractors).

Crashes reported to FMCSA by states for 24 months

2,891 total – 73 fatal crashes, 1,034 injury crashes, and 1,784 accidents requiring the truck to be towed.

J.B. Hunt Transport Inc.

An interstate carrier for hire transporting general freight; metal; logs, poles, beams, lumber; building materials; liquids and gases; livestock; grain, feed, hay, coal and coke; chemicals; meat; beverages; and other goods. Based in Lowell, AR, J.B. Hunt Transport has a location in Louisville, KY as well.

26,977 drivers. 24,040 power units.

Crashes reported to FMCSA by states for 24 months

1,811 total – 51 fatal crashes, 575 injury crashes, and 1,185 accidents requiring the truck to be towed.

FedEx Freight

An interstate carrier, shipper, and broker transporting general freight, FedEx Freight is based in Harrison, AR.

23,099 drivers. 18,927 power units.

Crashes reported to FMCSA by states for 24 months

838 total – 24 fatal crashes, 251 injury crashes, and 563 accidents requiring the truck to be towed.

Old Dominion Freight Line Inc.

An interstate carrier and shipper for hire transporting general freight, building and construction materials, metal, machinery, chemicals, beverages, and other goods, Old Dominion Freight Line is based in Thomasville, NC.

12,855 drivers. 10,719 power units.

Crashes reported to FMCSA by states for 24 months

712 total – 31 fatal crashes, 186 injury crashes, and 495 accidents requiring the truck to be towed.

XPO Logistics Freight Inc.

An interstate carrier and broker for hire transporting general freight, liquids, gases, and chemicals, XPO Logistics Freight is based in Ann Arbor, MI.

11,172 drivers. 8,499 power units.

Crashes reported to FMCSA by states for 24 months

665 total – 17 fatal crashes, 173 injury crashes, and 475 accidents requiring the truck to be towed.

Kentucky Trucking Companies

Paschall Truck Lines Inc.

An interstate carrier and broker transporting general freight and passengers, Paschall Truck Lines Inc. is based in Murray, KY.

1,198 drivers. 1,091 power units.

Crashes reported to FMCSA by states for 24 months

115 total – 1 fatal crash, 30 injury crashes, and 84 accidents requiring the truck to be towed.

CoreTrans LLC

An interstate carrier for hire transporting general freight, CoreTrans LLC is based in Somerset, KY.

118 drivers. 124 power units.

Crashes reported to FMCSA by states for 24 months

19 total – 0 fatal crashes, 5 injury crashes, and 14 accidents requiring the truck to be towed.

RAJ Transport Inc.

An interstate carrier for hire transporting general freight, RAJ Transport is based in Lexington, KY.

85 drivers. 89 power units.

Crashes reported to FMCSA by states for 24 months

5 total – 0 fatal crashes, 1 injury crash, and 4 accidents requiring the truck to be towed.

Carnes Trucking Co. Inc.

An interstate carrier for hire transporting general freight, U.S. Mail, fresh produce, meat, refrigerated foods, beverages, paper products, and chemicals, Carnes Trucking is based in Louisville, KY.

54 drivers. 55 power units.

Crashes reported to FMCSA by states for 24 months prior to October 23, 2022

10 total – 1 fatal crash, 2 injuries crashes, and 7 accidents requiring the truck to be towed.

Walbert Trucking Co.

An interstate carrier for hire transporting general freight, motor vehicles, beverages, and paper products, Walbert Trucking is based in Glasgow, KY.

35 drivers. 37 power units.

Crashes reported to FMCSA by states for 24 months

7 total – 0 fatal crashes, 2 injury crashes, and 5 accidents requiring the truck to be towed.

Contact a Trucking Accident Lawyer in Lexington, KY

Commercial truck accidents are different than passenger car accidents. The injuries suffered in a truck accident are typically more extensive. Seeking justice afterward is complicated because there are often multiple parties financially responsible for the crash.

For example, the truck driver, the trucking company that employs the driver, and the owner of the trailer may all have legal responsibility for a truck accident. Vendors who loaded cargo on the truck may also be liable if they made preventable errors that contributed to an accident.

An experienced Kentucky commercial truck accident lawyer from Morgan, Collins, Yeast & Salyer can investigate a truck accident that left you injured or grieving the loss of a loved one and identify those who have financial liability. We may be able to file multiple legal claims for compensation on your behalf. We will help you demand full accountability for your losses.

At Morgan, Collins, Yeast & Salyer, we provide aggressive legal work and compassionate representation for Kentucky families who have been injured by the negligence of others. We have the Kentucky Courage and the resources necessary to stand up to deep-pocketed trucking companies and their insurers.

We’ll fight for full compensation for you and your family. We do not get paid for our legal services unless we are successful in recovering a settlement or a jury award for you. Please call us now at (877) 346-7098 or contact us online to set up your free legal consultation about how a Kentucky truck accident attorney can help you demand justice.

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When A Tree Falls On a Road, Who Is Responsible?

Winter storms and other bad weather sometimes bring trees down onto Kentucky roads. If you should happen to run into a downed tree or a tree were to fall onto your vehicle, it could cause serious injuries to anyone in it. Afterward, as you sought to file an insurance claim, you might not know who’s liable if your car crashed into a tree on the road.

You may be able to collect an insurance payout for your damages if a tree has fallen on your car or your car has hit a fallen tree. It would depend on the circumstances of the accident and what insurance coverage was available.

An attorney at Morgan, Collins, Yeast & Salyer can determine who is financially liable for the downed tree and pursue a claim on your behalf. We have offices located across Kentucky in LexingtonSomersetManchesterLondonNorth LondonHazardPaducahPaintsville, Prestonsburg, and Princeton.

Who May be Liable for a Fallen Tree in a Car Accident?

In the simplest case of hitting a fallen tree while driving or a tree falling on a car, damages from the accident are covered by the driver’s collision or comprehensive auto insurance. Collision coverage covers all collisions, including with a tree. Comprehensive auto insurance covers incidents such as hail damage to a car, fire, vandalism, or being hit by a falling tree.

You may have collision and comprehensive coverage if you are still making car payments or leasing your car. Most car loan and lease originators require these types of coverage to protect the vehicle.

You would file a claim against your collision/comprehensive coverage in a fallen tree accident that was no one’s fault. A healthy tree fell and hit your car, or you came upon a tree on the road too quickly to stop. Your insurer should pay the claim.

Let’s consider two other scenarios to explore whether someone else may have some financial responsibility for a fallen tree accident:

  • An unhealthy or dead tree fell and caused an accident. The owner of the property the tree fell from might be liable if they knew or should have known the tree was unstable and posed a risk, or if they knew it fell but did not take steps to adequately mark the danger or remove the tree in a reasonable amount of time. Their homeowner’s or business insurance would include liability coverage to pay the claim. If the unhealthy tree fell from public property, such as the roadside right-of-way or a municipal building’s lawn, the local government might be held liable. The Kentucky Transportation Cabinet is responsible for dealing with fallen trees on state highways.
  • Someone was trimming or cutting the tree down. If the property owner caused the tree to fall in an unsafe manner, they and their insurance should be liable. If a hired tree service felled the tree, they would likely be liable. If a renter cut down a tree unsafely and someone was hurt, they or their landlord might be held liable. A landlord might dispute such a claim, but the landlord’s issues with a negligent tenant should have no bearing on your rights.

Why Do You Need A Car Accident Lawyer If A Tree Falls On Your Car?

As your attorneys, Morgan, Collins, Yeast & Salyer can do the investigation necessary to determine whether you have a valid claim against a property owner responsible for a fallen tree that injured you. We can calculate what compensation is necessary to make you financially whole and present your demand to the responsible insurer.

Our accident and injury lawyers can handle your insurance claim and make sure you are paid what you are due. If your injuries are serious and there is a dispute over liability, we may need to pursue a personal injury lawsuit on your behalf and ask the court to settle the matter. However, in most cases, our Kentucky Courage attorneys are successful in negotiating an appropriate settlement without going to trial.

Contact Our Experienced Lexington Car Accident Attorneys

If you have been hurt in a car accident that involved a fallen tree, there may be issues of responsibility to resolve before filing an insurance claim. Instead of getting the runaround from insurers, let an experienced Kentucky car accident law firm pursue your claim as efficiently as possible.

Call Morgan, Collins, Yeast & Salyer at (877) 809-5352 right away to set up a free initial consultation. Find out how Kentucky Courage can help set things right for you.

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Motorcycle Lane Splitting in Kentucky

Lane splitting on a motorcycle – riding alongside other vehicles between lanes of traffic – is a controversial practice. Some say it increases the likelihood of an accident, while others say a motorcyclist avoids certain accidents and injuries by lane splitting.

What’s important for motorcyclists in Kentucky to know is that lane splitting is not illegal in Kentucky. If you are injured during an accident while lane splitting, it should have no bearing on an insurance claim.

If you were lane splitting when you got into a motorcycle accident in Kentucky, the motorcycle accident lawyers at Morgan, Collins, Yeast & Salyer will stand up for your right to compensation. Our experienced legal team provides the Kentucky Courage you need to fight for all of the compensation you deserve after a motorcycle accident caused by another motorist.

Contact us today for a free consultation about your motorcycle accident claim.

What Is Lane Splitting on a Motorcycle?

A motorcycle rider is lane-splitting when he or she rides between two vehicles or lines of traffic headed in the same direction. Riders may split lanes to get ahead of slow-moving or stalled traffic. The maneuver is sometimes called lane filtering when traffic is stopped.

Splitting lanes on a motorcycle might mean riding along the dotted line separating two lanes on a multilane highway, for example. This provides two more terms for the practice: white-lining or stripe-riding.

Is It Legal for Motorcycles to Split Lanes in Kentucky?

There is no state law in Kentucky that expressly bars lane splitting.  But the Kentucky Motorcycle Operators Manual published by the Kentucky State Police refers to lane sharing and says it is usually prohibited:

Cars and motorcycles need a full lane to operate safely. Lane sharing is usually prohibited. Riding between rows of stopped or moving cars in the same lane can leave you vulnerable to the unexpected. A hand could come out of a window; a door could open; a car could turn suddenly. Discourage lane sharing by others.

A police officer may pull over a motorcyclist over for lane splitting in some situations. If an officer thinks a motorcyclist is operating their bike in an unsafe manner, the officer has the legal authority to issue a citation.

Only California and Utah expressly permit motorcycle lane splitting. California adopted lane splitting in 2016. Utah’s law addressing “lane filtering” went into effect in 2019.

Motorcycle safety organizations and academics continue to debate lane splitting. The Motorcycle Safety Foundation (MSF), which is a part of the National Highway Traffic Safety Administration (NHTSA), supports lane splitting. A study by the Safe Transportation Research & Education Center at the University of California Berkeley also supports lane splitting.

A report by the Pew Charitable Trusts cites arguments on both sides of the issue.

Advantages a motorcyclist may achieve by lane splitting include:

  • Allowing the rider to position themselves for maximum visibility to other motorists while maintaining safety and control of the traffic situation
  • Avoiding being rear-ended by distracted drivers in stop-and-go traffic
  • Avoiding road surface hazards, other vehicles, or other mobile hazards
  • Maximizing the motorcyclist’s view of the road and traffic ahead
  • Maintaining an escape route for motorcyclists who could otherwise be trapped in traffic or struck from behind

According to the Pew report, the AAA auto club opposes lane splitting and has helped defeat legislation to allow it in Georgia, Hawaii, and Texas. “Motorists who don’t expect to be passed by a vehicle traveling between lanes can side-swipe a motorcycle or turn into its path,” Richard Romer, AAA’s state relations manager, told Pew.

The Governors Highway Safety Association, which represents state highway safety departments, has not taken a formal position on lane-splitting. But Richard Retting, a traffic safety consultant to the GHSA, told Pew it is “a very risky activity.”

Injuries in Motorcycle Lane-Splitting Accidents

Because motorcyclists have little protection from the impact of a collision, injuries can be severe and their severity increases with the speed of the motorcycle. A motorcyclist is also subjected to multiple impacts in an accident, as the biker hits the pavement or the motorcycle falls onto the rider.

Some of the common injuries seen in lane-splitting accidents include:

  • Traumatic brain injury
  • Fractured arms, legs, wrists, and ankles
  • Broken ribs
  • Blunt force trauma, including internal organ injury
  • Deep road rash scrapes and bruising

If a collision does occur while lane splitting, the motorcycle is likely to be moving slowly. “They (motorcyclists) were considerably less likely to suffer a head injury, torso injury, extremity injury, and fatal injury than riders who were not lane-splitting,” the UC-Berkeley study says.

Liability and Motorcycle Lane Splitting

Because there is no law, an insurance company has substantial room to blame the injured rider for the accident or try to get out of paying a claim if a motorcyclist was lane-splitting at the time of an accident.

You can protect your right to compensation after a motorcycle accident that was someone else’s fault by engaging an experienced motorcycle accident attorney. At Morgan, Collins, Yeast & Salyer, we would investigate and analyze the facts on your behalf. The accident report filed by police is just the starting point for evidence we would collect to demonstrate that another driver was at fault for your injuries.

In cases in which another driver acted illegally or irresponsibly, such as by not properly checking blind spots before changing lanes, they may be held liable.

Each motorcycle accident case is different. But if your claim has been denied or you have been offered an inadequate settlement, you should consult with an experienced motorcycle accident attorney who has the Kentucky Courage to stand up to big insurers.

Talk To A Kentucky Motorcycle Accident Attorney Now

If you’ve been hurt in a motorcycle accident that occurred while you were lane splitting, you need an attorney who will protect your rights. Because Kentucky has no specific law about lane splitting, some insurers will declare an injured lane-splitting motorcyclist at fault simply to save money. At Morgan, Collins, Yeast & Salyer, we’ll get the facts and argue the true merit of your claim.

Our Kentucky motorcycle accident lawyers understand how complicated motorcycle accidents can be. We also know how to present the proper evidence that will prove another party’s negligence in a motorcycle accident. Contact us now at (877) 809-5352 or online for your free legal consultation about moving forward with your motorcycle accident claim.

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Thursday, November 3, 2022

Flood Damage Lawyer in Paducah, KY

Flood insurance is expensive and often-overlooked protection. The value of having flood insurance became startingly clear when Paducah and other parts of eastern Kentucky suffered catastrophic flooding in July 2022.

Unfortunately, many Kentuckians who have flood insurance have found that their insurance carriers still try to avoid paying valid flood insurance claims.

If an insurance carrier sold you flood insurance and has not responded properly to your Kentucky flooding claim, consult a qualified lawyer now. The attorneys at Morgan, Collins, Yeast & Salyer are ready to review your situation and discuss your options for demanding payment of your flood damage claim. We can determine whether your insurer is acting in bad faith and if so, hold the insurer accountable.

It takes Kentucky Courage to stand up to insurance companies that deny or underpay valid claims for flood damage. Our attorneys at Morgan, Collins, Yeast & Salyer take on big insurance companies and fight for the rights of policyholders like you. Call us at (877) 809-5352 or contact us online to set up your free consultation.

How Does Insurance Cover Kentucky Flooding?

Many Kentucky residents decline to buy flood insurance because the premiums are too costly and they think the risk of being flooded is remote. But homeowners insurance generally doesn’t cover flood damage.

According to one estimate, only 17,250 property owners across Kentucky have flood insurance through FEMA’s National Flood Insurance Program (NFIP), the public program that provides the vast majority of flood policies in the United States. Just 2,485 property owners in the 10 counties in eastern Kentucky that sustained significant flood damage in 2022 had federal flood insurance.

Others may have private flood insurance. Private flood insurance companies can offer coverage that is more affordable or comprehensive than NFIP policies.

NFIP policies offer as much as $250,000 for the structure of your home and $100,000 for your belongings. Private insurers can cover homes for up to $4 million and belongings for up to $500,000. Private coverage may pay to repair a damaged swimming pool, replace items stored in your basement, or pay for a hotel or rental while your home is being repaired after a flood. This is coverage the NFIP does not provide.

How Are Insurers Answering KY Flood Damage Claims?

People who have paid for flood insurance may find FEMA or private insurance carriers reluctant to pay when they file a claim.

A common tactic is for flood insurance providers to demand proof that damage to your home was caused by water and not by wind, which often precedes rising water in storms. Wind damage is covered by your homeowners’ insurance. Separate insurance companies may try to shift the responsibility and point to each other as responsible for your losses.

If you happen to have homeowners’ and flood insurance from the same carrier, they can declare all of your losses are covered by your homeowners’ policy and limit payment to its maximum.

How a Lawyer for Kentucky Flood Damage Can Help

Kentucky law addresses acts of bad faith by insurance carriers. Under the Kentucky Consumer Protection Act and the Unfair Claims Settlement Practices Act (UCSPA), victims can sometimes recover significantly more compensation than the actual value of their underlying insurance claim.

If you have a Kentucky lawyer experienced with bad faith insurance practices handling your claim, you will have a better chance of receiving fair treatment. You can feel confident that you will not be taken advantage of by an unscrupulous insurer.

The attorneys at Morgan, Collins, Yeast & Salyer can investigate your policy and your losses and work to recover what you are owed. We can submit a formal demand letter to an insurance company notifying them of your intention to file suit. If they do not respond appropriately, we will be ready to go to court to demand what’s right for you. We can also file a complaint with the Kentucky Department of Insurance.

Contact Us About Flooding in Paducah, Kentucky

The attorneys of Morgan, Collins, Yeast & Salyer understand how insurers operate, and we can help you get the evidence you need to prove that an insurance company has not responded to your claim in good faith. Call us at (877) 809-5352 or contact us online now to take advantage of a free consultation.

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Tuesday, October 25, 2022

Morgan, Collins, Yeast & Salyer Sponsors Kentucky Book Festival

Morgan, Collins, Yeast & Salyer is proud to sponsor Kentucky Book Festival.

A program of Kentucky Humanities, the Kentucky Book Festival is a celebration of reading, writing, and publishing which takes place each fall. Festival events seek to connect book-lovers and authors, spark engaging conversations, and empower readers by providing access to new books as well as opportunities to learn more about writing in a fun, supportive environment. It’s the biggest bookish celebration in Kentucky! Learn about writing and publishing, discover new books, make memories with family and friends, and celebrate reading!

Learn more about their efforts on their website here.

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Morgan, Collins, Yeast & Salyer Sponsors Lexington Ballet Company

Morgan, Collins, Yeast & Salyer is proud to sponsor Lexington Ballet Company.

“Lexington Ballet is where my dreams came true. Dancing professionally in the company for a decade has taught me to always be disciplined, to be inspired, and the importance of giving back to the community. The incredible experience with the company and the opportunity to teach at the school has shaped me into who I am today. “

Ayako Hasebe Lloyd

 

Learn more about the organization here.

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Wednesday, October 5, 2022

What Does a Disability Lawyer Do?

If you have a medical disability that prevents you from working, you may qualify for Social Security Disability Insurance (SSDI) benefits. Unfortunately, roughly 80 percent of first-time SSDI applications are denied, often due to a lack of complete work history information or other preventable errors.

If you are anxious about applying for benefits or discouraged because your claim has been denied, you should have a knowledgeable Paducah disability attorney review your situation and discuss your options. An attorney at Morgan, Collins, Yeast & Salyer can explain how our legal team can assist you in appealing a denied claim. We offer a free case review.

Keep reading to learn more.

What Is the Role of a Disability Lawyer?

The process of applying for disability benefits involves a lot of paperwork. It entails gathering employment records to reconstruct your work history and obtaining medical records that describe your disability.

For many people, the SSDI application process can be frustrating, even overwhelming. Many people with valid claims receive denial letters initially. Our disability lawyers are familiar with the process of collecting records, completing the application forms, and, when necessary, working through the appeals process. With the help of an experienced disability lawyer, you are more likely to be well informed about your options and less likely to submit an incomplete application that can cause delays.

Once you retain the services of a disability lawyer, the SSA will no longer contact you directly. Instead, all correspondence will go to your lawyer. It is the disability attorney’s role to respond to communications on your behalf, so you can focus on your health and family. An attorney can advocate for you in any Social Security hearing or appeal.

How Can a Disability Lawyer Help Me?

Some of the specific ways a disability lawyer can support you during the process of seeking SSDI benefits include:

  • Completing application paperwork – Your disability attorney can handle the time-consuming aspects of your claim, including tracking down employment records and completing paperwork to ensure your application is complete.
  • Obtaining medical evidence – Medical evidence plays a critical role in SSDI claims. A disability attorney can help you obtain medical records and get you a referral to a specialist for a second opinion to supplement your medical file regarding your disability.
  • Communicating on your behalf – A disability lawyer can handle all communications with the SSA on your behalf.
  • Managing important deadlines – There are many important deadlines throughout the SSDI application and appeals process. An attorney will keep track of the deadlines to avoid unnecessary delays.
  • Supporting you during appeals – If your application is denied, a disability lawyer can prepare an appeal on your behalf and represent you at any subsequent hearings.

Where to Find a Good Disability Lawyer in Paducah

If you’re wondering how to find a good disability lawyer in Paducah, KY, turn to the trusted legal team at Morgan, Collins, Yeast & Salyer. Our attorneys are known for summoning Kentucky Courage to fight for justice for injured people who are facing difficult circumstances. We are honored to help our fellow Kentuckians seek the disability benefits available by law when they are unable to continue working due to a disability.

We are committed to providing compassionate, professional legal representation to people like you. Contact us today at 877-809-5352 or by filling out our online form for a consultation. We look forward to getting to know you, understanding your concerns, and helping you pursue SSDI benefits.

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Thursday, August 18, 2022

Occupational Diseases and Workers’ Compensation

While most workers’ compensation claims involve traumatic injuries suffered in the workplace, the insurance program for employees also covers occupational diseases. An occupational disease is any ailment that arises out of an individual’s employment.

Workers’ compensation is insurance that most employers are required to purchase to protect their employees. It provides benefits to employees who have developed work-related injuries or been diagnosed with an occupational disease. Workers’ comp benefits include:

  • All medical expenses related to the treatment of the disease, including reimbursement for the cost of prescription drugs, medical devices, and travel to and from medical appointments
  • Payment of a portion of average weekly wages 
  • Stipends for retraining to return to work.

If you are diagnosed with an illness related to your employment and cannot return to your current job, you may be entitled to workers’ compensation benefits. If you are in Kentucky and have questions about the benefits available to you, contact a workers’ compensation lawyer at Morgan, Collins, Yeast & Salyer

Our attorneys are known for their Kentucky Courage when standing up to big insurance companies on behalf of injured people. Our law firm has recovered more than $300 million in workers’ compensation benefits for our hardworking Kentucky clients. We are ready to fight for you.

What Is Occupational Disease?

Under Kentucky workers’ compensation law (KRS 342.0011), an occupational disease is one for which it is reasonable to draw a connection between the conditions under which the employees work and the disease. The disease can be traced to the employment as the most closely related cause.

In a typical year, coal workers’ pneumoconiosis (CWP) is the most common occupational disease cited by Kentuckians in applications for workers’ compensation benefits based on a disease diagnosis. Of the 285 occupational disease benefits applications filed in 2020-2021, 259 were for coal workers’ pneumoconiosis (90%).

It may not surprise you that in 2020-2021, the most common cause of first-time reports of work-related injury for workers’ comp was COVID-19. The 12,646 cases of work-related COVID-19 topped the second-most common first report, injuries caused by falls or slips (6,597), and No. 3, injuries caused by lifting (2,767), according to the Department of Workers’ Claims’ (DWC) annual report.

A full list of occupational diseases that may qualify a worker for workers’ compensation is lengthy. The International Labour Organization maintains an extensive and widely recognized ILO List of Occupational Diseases. Since the first ILO list in 1925, it has played a key role in aligning policies on occupational diseases among industrialized countries.

When Can You Seek Workers’ Compensation for an Occupational Disease?

An employee is eligible for workers’ compensation benefits once an injury or disease has forced the individual to miss work for seven days. After missing seven days of work, you are eligible for temporary disability payments equivalent to two-thirds of your weekly wages while you remain out of work, in addition to payment of your medical expenses. When you have been out of work for 14 days, you can obtain disability payment for the first seven days you were out of work.

You should notify your employer immediately if you have been diagnosed with a disease that will force you to miss work for an extended period of time.

It is up to the employee to file for workers’ compensation benefits, but the system is not very easy to navigate. You are likely to encounter procedural issues and other technicalities that make it complicated to obtain the benefits you need.

The Kentucky Labor Cabinet’s workers’ compensation page for injured employees says twice that, “Due to the complexity of the claims process, most injured workers hire an attorney to file a workers’ compensation claim for them.”

Contact a KY Workers’ Comp Attorney

Don’t risk a mistake in your workers’ compensation benefits application that causes delays or leads to a denial of the workers’ comp benefits you need. A Morgan, Collins, Yeast & Salyer workers’ compensation lawyer will focus on your claim so you can focus on getting better.

We’ll help you seek the maximum workers’ compensation benefits available as we have with many others. We consider it a privilege to use our legal skills to help our fellow Kentuckians. Contact us now to schedule your free consultation.

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Thursday, July 14, 2022

Broken Ribs Caused by a Car Accident: What Should I Do?

People involved in car crashes frequently suffer broken ribs. The force of an airbag inflating or the impact of the torso hitting a door panel, steering wheel or seat back can crack one or more ribs.

The problem with broken ribs is that the jagged edge of a broken bone can damage internal organs, such as causing a punctured lung. A lesser rib injury, known as bruised ribs, while painful, can be shrugged off by some people. But both broken and bruised ribs can be painful enough to limit breathing, which can lead to pneumonia. Pneumonia can be life-threatening, particularly in older people.

If you suffer a blow to the chest that causes continued pain that increases when you inhale, you should see a doctor as soon as possible. If you have sustained broken ribs in a car accident caused by another driver in Kentucky, you should speak to our car accident attorneys at Morgan, Collins, Yeast & Salyer. It’s important to understand your legal options if you have been injured in a crash caused by someone else. Our Kentucky Courage attorneys are ready to help you seek compensation for your medical bills, lost work time, pain, suffering, and more.

Signs and Symptoms of Bruised and Broken Ribs

Ribs are long, thin bones that are prone to breaking from a direct blow to the chest or rib cage. When subjected to trauma, the ribs may fracture or break into two or more pieces.

An X-ray or other imaging test can determine whether you have broken ribs.

The main symptom of broken ribs is pain when taking a deep breath, sneezing, laughing, or coughing. There may also be bruising or swelling around the ribs.

The term “bruised ribs” refers to a contusion in the soft tissue above the rib cage. The main symptoms of bruised ribs are pain, swelling, and skin discoloration. Breathing, coughing, laughing, or sneezing can all cause pain.

Bruised and broken ribs heal on their own in most cases. A doctor may prescribe medication to control pain and reduce inflammation. A patient may be prescribed breathing exercises to ensure they keep their lungs fully inflated as they heal.

Because the risk of complications increases with age, older patients may require hospitalization.

Broken ribs typically heal in 6 to 8 weeks.

Pneumonia and Other Potential Complications from Broken Ribs

A patient with one or more broken ribs may take short shallow breaths because of the pain, and try to move as little as possible. But not taking full breaths can lead to the collapse of the air sacs in the lower reaches of the lungs. That can subsequently lead to pneumonia.

The more ribs you have broken, the more dangerous the injury. In patients older than 65 years of age, each additional rib fracture increases the risk of pneumonia by 27% and the risk of death by almost 20%, according to the Journal of the American Medical Association (JAMA).

The Mayo Clinic says about 30 to 35% of people over 65 with rib fractures contract pneumonia.

If broken ribs are bent or displaced, they may puncture the lungs or another organ, or major blood vessels. This requires immediate surgery to put the ribs back in place and prevent further complications.

A more serious rib injury known as flail chest — two or more contiguous rib fractures with two or more breaks per rib — may require surgical stabilization. This is a serious operation that requires a lengthy recovery.

If you have suffered broken ribs due to another driver’s negligence and you have incurred medical costs to treat broken ribs

What Should I Do About Possible Broken Ribs?

Some Kentuckians return to work and simply grit their teeth at the pain of bruised or cracked ribs. But it’s important to take precautions and seek prompt medical attention to prevent further complications.

If you have suffered a blow to the chest or rib cage, you should see a doctor if:

  • It hurts when you inhale
  • You have difficulty breathing
  • You have a very tender spot in your chest or rib cage.

While some people do manage the pain and heal within a month or two, a person with broken ribs can develop pneumonia or other complications requiring medical intervention.

Many people worry about the cost of medical care and losing income if they are hospitalized or receive doctor’s orders to rest. But if someone else has caused your injury, you may be entitled to hold them financially responsible for your medical expenses, lost income, and other losses related to the injury. You may seek compensation by filing a claim against the at-fault driver’s auto liability insurance or other insurance policy, depending on the type of accident.

You should see a doctor within 24 hours of being injured in a car accident, a fall, or any other trauma. There are several serious injuries that do not exhibit symptoms until several hours later.

If someone else caused a car accident that injured you, contact an experienced car accident lawyer.

Contact a Car Accident Lawyer in Kentucky

Broken ribs suffered in an auto accident can lead to serious complications requiring hospitalization. A rib injury also can limit your ability to work and support your family. If you or a family member has been injured by a careless driver or someone who was driving while impaired, call our car accident attorneys at Morgan, Collins, Yeast & Salyer as soon as possible. We have the knowledge, the resources, and the Kentucky Courage to stand up to big insurance companies and help you pursue full compensation for your losses.

Call Morgan, Collins, Yeast & Salyer at (877) 809-5352 right away to set up your free consultation. Find out how Kentucky Courage can help you get through this.

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Thursday, July 7, 2022

SSDI Trial Work Period in Paducah

Many people who receive Social Security Disability Insurance (SSDI) payments think that if they do any kind of work for money, they will lose their disability benefits. But the law does provide a trial work period during which you can work and still draw disability benefits.

The Social Security Administration (SSA) allows SSDI recipients to accept employment without risking their benefits as long as their income does not exceed certain limits. If you receive SSDI benefits, you have the right to a 9-month trial work period in which you can receive your full benefits, regardless of the amount you make.

Do you have questions about working while receiving SSDI or other aspects of disability benefits? The experienced Paducah SSDI lawyers at Morgan, Collins, Yeast & Salyer know that the Social Security disability program is complex and that it’s easy to misinterpret the guidelines.

We understand the rules and the common problems that arise when Kentuckians seek Social Security Disability Insurance benefits. We can help you seek the benefits available to you by law. Call us or contact us online to schedule a free discussion of your SSDI claim and how we can help you.

SSDI Recipients Have a Right to Trial Work Periods

Social Security Disability Insurance pays benefits to you and certain members of your family if you meet the criteria for benefits and you have paid Social Security taxes on your earnings for a long enough period of time.

To be eligible for SSDI benefits, a person must be unable to engage in substantial work activity. A person whose income exceeds a certain amount set by the Social Security Administration is ordinarily considered to be engaging in substantial gainful activity.

For 2022, you can earn up to $1,350 a month ($16,200 a year) before you are categorized as engaging in substantial gainful activity. For someone who is blind, the threshold in 2022 is $2,260 a month ($27,120 a year).

Because the Social Security Administration encourages people to work if they are able, SSDI benefit recipients may participate in a trial work period for 9 months, without affecting their disability benefits, regardless of how much money they make. The trial work period does not apply to recipients of SSI benefits.

How Is the SSDI Trial Work Period Calculated?

It’s important to understand that the Trial Work Period constitutes a 9-month allowance. The 9 months do not have to be consecutive, and the SSA considers earnings across a 60-month window of receiving SSDI.

In 2022, any month in which you earn $970 or more will trigger a TWP and count toward your 9-month maximum. If you earned $1,500 in January 2022 and $800 in February and then realized you could not continue to perform the job, yaou would have used one of the nine months allowed as part of the trial work period. If you were receiving SSDI in 2021 and made more than $940 in November 2021, that would be counted as another of your 9 months.

If you start a job as a self-employed person, any month you earn $970 or work more than 80 hours in 2022 counts as a TWP service month.

A disability benefits recipient is typically entitled to only one 9-month trial period during a five-year period. Once you have completed the trial work period while receiving SSDI benefits, then you will be subject to the monthly earnings cap.

To start a new trial work period, the individual’s SSDI benefits would have to end and they would then have to either file a new application and qualify for SSDI benefits or obtain an expedited reinstatement.

What If You Have to Stop Working After Beginning a Trial Work Period?

If an individual loses SSDI eligibility and is subsequently reinstated for disability benefits, they will be allowed a new trial work period.

What Is the Extended Period of Eligibility?

The Extended Period of Eligibility is 36 months in which you continue to receive SSDI benefits any month your earnings or work activities do not meet the threshold to qualify as substantial gainful activity. This ensures the availability of disability benefits for three years, regardless of whether the beneficiary continues to work.

During the extended period of eligibility, the SSA evaluates the individual’s work and earnings to decide whether he or she can continue to work at the substantial gainful activity level.

A beneficiary who earns more than the income limit during the extended period of eligibility will lose their benefits. If earnings fall below the income limit during the period, disability benefits start again without a new application.

Even when a disability benefits recipient has monthly earnings that exceed the income limit to qualify for disability checks, the Social Security Administration will pay benefits for that month and the following two months. If earnings fall back below the income limit within the 36-month extended, disability benefits begin again.

Get in Touch with One of Our SSD Attorneys

Every individual’s disability is different and there are many factors that can affect your ability to work at some level and receive Social Security Disability Insurance benefits. If you are receiving SSDI benefits but have an opportunity to work, let Morgan, Collins, Yeast & Salyer help ensure you continue to receive all the benefits you are due.

Social Security Disability Insurance benefits are paid to those who have worked and paid into the Social Security system. Contact Morgan, Collins, Yeast & Salyer in Paducah, KY, for a free discussion of how we can help protect your rights and your SSDI benefit.

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How to Obtain a Police Report in Kentucky

After a car accident, the law enforcement officer who responds to the scene of the crash will produce an accident report. The report contains the names and contact information of the drivers involved, vehicle descriptions, insurance information, and the responding officer’s opinion as to what happened. It will also state whether a ticket was issued or an arrest was made, such as for drunk driving.

The accident report is an important document to have in hand when pursuing an accident claim. If you speak to an attorney about a car accident claim, the attorney will need to review the police report. If you have a copy of the report when you meet for an initial consultation, that will expedite the process of evaluating your claim.

Contact Lexington Police About an Accident Report

In most cases, you can get a car accident report from the responding officer’s police department. When the police officer questions you after the accident, ask when and how you can get a copy of the report.

Most police departments, particularly larger ones, explain how to get reports and make it relatively easy to do so. There is typically a nominal fee.

In Lexington, Kentucky, you need to contact the police department’s Central Records Unit to obtain a car accident report. Only individuals involved in the collision may obtain a report about the incident. You may get copies of accident reports online ($10), in person ($5), or by mail ($5). They are available five days after the report is filed.

For the police to identify the report you are seeking, you must provide certain information.

To get a report online, you must go through a third-party vendor that provides this service for Lexington police. This requires establishing an account with the vendor. Then enter “Lexington Police Department” as the agency, and when prompted, enter:

  • Case number (local code number)
  • Report date
  • Last name of the owner/driver of the vehicle.

 If you go to the police headquarters at 150 E. Main Street, Lexington, you will be asked to provide: 

  • Case number
  • Name of driver/owner
  • Location of collision
  • Date of collision
  • Photo ID.

By mail, provide the same information as you would in person, plus a self-addressed stamped envelope (and fee), and mail it to:

Lexington Police Department
Central Records
150 E. Main St.
Lexington, KY 40507​

You will be a step ahead if you have the police report in hand when you meet with an attorney for an initial consultation. Because we routinely investigate car accidents in Lexington and across Kentucky, Morgan, Collins, Yeast & Salyer can quickly obtain a KY car accident report for you.

When Should I Report My Car Accident?

Police don’t always respond to a car accident. In that case, it is up to you to report the accident.

You must file a report with Kentucky State Police if an accident results in injury, death, or property damage over $500 and the police do not respond. You must also file a report within ten days of the accident, or else you may be fined or have your driver’s license suspended.

The link above leads to a 10-part questionnaire that you must complete to file the report.

This is only required if a police officer did not respond to the accident.

Contact an Experienced Car Accident Lawyer in Kentucky Today

Take the guesswork out of your car accident claim by letting an experienced car accident attorney from Morgan, Collins, Yeast & Salyer in Lexington, KY, assist you. All cases start with a free, no-obligation consultation. We do not charge a fee for our services unless we are successful in recovering compensation for you through an insurance settlement or court award.

Call Morgan, Collins, Yeast & Salyer at (877) 809-5352 today for experienced legal assistance and the Kentucky Courage to advocate for justice for you.

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Tuesday, July 5, 2022

What Are the Biggest Distractions for Drivers in Kentucky?

Distracted drivers cause many car accidents in Kentucky. According to the Kentucky Department of Transportation (DOT), some form of distraction is a contributing factor in nearly 80 percent of all crashes and 65 percent of near-crash events.

Distractions take many forms. Highway safety advocates have focused attention on the dangerous distraction posed by drivers using mobile phones and texting while driving. But drivers may shift their attention from the road to focus on a conversation with a passenger or adjust the radio or use the navigation system. Any distraction can cause a crash.

If you have been injured by a distracted driver, you may be entitled to seek compensation. Call the injury attorneys at Morgan, Collins, Yeast & Salyer to get a clear explanation of your legal options.

Distracted Driving: A Major Cause of Car Accidents in Kentucky

According to a recent report from the Kentucky Department of Transportation, cell phone use, distraction, and driver inattention are consistently among the top causes of car accidents statewide. In a single recent year:

  • 40,870 collisions involved cell phone use, driver distraction, and driver inattention throughout the state, including 143 fatal accidents.
  • Cell phone use, distraction, and inattention were contributing factors in 266 pedestrian collisions, 12 of which were fatal.
  • Distraction-related behaviors contributed to 435 motorcycle accidents, 19 of which were fatal.
  • Distracted driving behaviors contributed to 3,011 truck accidents, 33 of which were fatal.

What Is Considered Distracted Driving?

Distracting driving refers to the act of operating a motor vehicle while engaged in any secondary activity that prevents a motorist from keeping their eyes and full attention on the road. Operating a motor vehicle is a complex and demanding task. Research suggests that the vast majority of drivers are not capable of multitasking. As a result, any type of driver distraction is dangerous and increases the risk of an accident.

There are three different types of distraction:

  • Visual distractions– A visual distraction is anything that prompts a driver to take their eyes off of the road ahead. Common examples of visual distractions include text messages, billboard advertisements, navigation systems, video screens, and other people in the vehicle.
  • Manual distractions– A manual distraction is anything that prompts a driver to take one or both hands off of the steering wheel. That makes it physically difficult to react swiftly in the event of an emergency. Common examples of manual distractions include texting, eating and drinking, and personal grooming while driving.
  • Cognitive distractions– A cognitive distraction is anything that takes a driver’s mental focus off of the road and surrounding traffic. Many of us engage in cognitive distractions without even realizing it. Common examples of cognitive driving distractions include phone conversations, passenger interactions, listening to the radio, and even daydreaming.

Distractions That Cause The Most Car Accidents in Kentucky

What are the top distractions for drivers in Kentucky? They include:

  • Texting or typing– Although illegal under state law, texting or typing on the phone while driving is an incredibly dangerous practice. The National Highway Traffic Safety Administration calls texting while driving the most alarming distraction” because it involves all three forms of distraction in a single task. Reading a text message requires you to take your eyes off of the road. Typing a reply requires you to remove at least one hand from the steering wheel. Composing a message or considering the contents of a message requires some mental focus.
  • types of distracted driving Talking on the phone– Kentucky motorists ages 18 and older are permitted to talk on the phonewhile driving. However, that doesn’t mean it’s a good idea. Even with hands-free technology, having a phone conversation while driving requires you to allocate at least a portion of your attention away from the task of driving.
  • Eating or drinking– Many drivers think nothing of sipping a soft drink or enjoying a burger while commuting. However, eating or drinking while driving can be one of the most dangerous forms of driver distraction. It may not seem like gripping a cup or handheld food item would pose a significant distraction. But it does require removing at least one hand from the steering wheel. The possibility of distracting spills is an additional risk.
  • Chatting with passengers– Driving with a passenger on longer trips can actually improve focus by limiting monotony. However, if you are so absorbed in a conversation that you are not paying enough attention to the road, there’s a good chance you are allowing yourself to be dangerously distracted.
  • Personal grooming– Drivers who are running late for work or hurrying to make an appointment sometimes engage in personal grooming on the go. Common in-car grooming behaviors include checking one’s reflection in the mirror, combing hair, applying make-up, and changing clothes. These risky practices require drivers to take their eyes away from the road and one or both hands off of the steering wheel.
  • Reading or watching videos– Watching videos while driving is a recipe for disaster. Many commercial drivers and frequent travelers find these distractions especially tempting after long stretches of boredom and isolation. Focusing on a video clip or reading an article demands both visual and cognitive focus, leaving less attention for the demanding task of safe driving.
  • Adjusting a GPS device– Despite Kentucky’s statewide ban on texting while driving, motorists are still permitted to adjust GPS devices while driving. However, doing so manually is both illegal and unsafe since it requires manual, visual, and cognitive attention. If you must alter a GPS input while traveling, it’s safer to do so using voice-to-text commands or after pulling off the road.
  • Adjusting vehicle controls– Even though there is no law against fiddling with radio tuners or climate controls while driving, you’re better off avoiding these activities as long as the car is in motion. Given the increasing number of touch screen menus in vehicles, the task of selecting a song to play can be a dangerous distraction for a driver.

Contact a Car Accident Lawyer for Help

If you have been injured in a distracted driving accident in Kentucky, contact the trusted attorneys at Morgan, Collins, Yeast & Salyer as soon as possible. Our attorneys have the Kentucky Courage to help you hold a negligent driver financially accountable and demand fair compensation for your losses.

Call us today at (877) 809-5352, or fill out our online contact form to get started with your free initial consultation.

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Monday, July 4, 2022

What Is Car Accident Reconstruction?

It is not unusual after a car accident for everyone involved in the crash to have a different explanation about what happened. People’s memories can be tricky, especially after a traumatic event. This is why law firms such as Morgan, Collins, Yeast & Salyer sometimes seek the help of accident reconstruction specialists to determine what happened in a serious car crash.

Accident reconstruction applies forensic investigative techniques to answer questions about the circumstances, mechanics, road conditions, and other contributing factors associated with a collision. It is a discipline that utilizes the principles of physics, engineering, mathematics, and photogrammetry (interpreting photographs) to recreate accidents.

Car accident reconstruction specialists analyze a variety of technical data to develop a detailed report about a car accident, which they present as expert witnesses if a case goes to court. In court, the specialist can offer multi-media presentations to supplement their testimony, which often proves to be highly persuasive to a jury.

How Do Accident Reconstruction Experts Recreate a Collision?

A car accident investigation typically begins with a review of the accident report filed by police and interviews with the responding officers. A police report should contain a brief description of what the responding officer thinks happened and any readily identifiable causes. Next comes an inspection of the accident site to document the point of impact, final resting positions, skid marks, and pavement gouge marks. Accident scene measurements are usually taken using electronic surveying equipment, which can produce a computer-generated scale diagram of the accident.

If the vehicles are available (have not been repaired or junked), their damage will be recorded in detail. Mechanical components such as brakes, steering, tires, suspension, and lights may be inspected and tested to determine whether their condition may have contributed to the accident. It’s important to work with an experienced attorney who has the resources and knowledge to move quickly to secure access to a wrecked vehicle before the vehicle is taken to a junkyard and crushed and any possible evidence lost.

When available, the investigator will download data from the cars’ Event Data Recorders (EDRs). As soon as an airbag is deployed in a collision, for example, a vehicle’s EDR instantly records such data as:

  • Date and time
  • Vehicle speed
  • Change in velocity (Delta-V)
  • Longitudinal acceleration
  • Lateral acceleration
  • Brake application
  • ABS activity
  • Seatbelt usage
  • Percent throttle
  • Engine speed
  • Steering wheel angle
  • Yaw rate
  • Roll angle
  • Gear selection
  • Tire pressure

Once this information has been gathered, a properly trained investigator can reconstruct the accident. An accident reconstruction determines the speed of each vehicle and their relative positions at intervals – just before the collision, at the point of impact, and when each vehicle came to rest. Equations used to reconstruct the accident are based on such information as:

  • Vehicle speed
  • Pre- and post-impact direction of travel
  • Length of pre-impact skid marks
  • Distances moved post-impact
  • Friction values for the various surfaces the vehicles traveled over
  • Point of impact
  • Impact angles
  • Weights of the vehicles

With all this evidence collected and measurements made, an accident reconstruction expert can create different scenarios of how the accident could have occurred and create computer simulations of each scenario. In some cases, a specialist may craft models of the accident.

In addition to demonstrating what happened, an accident reconstruction specialist’s report may include his or her expert opinion as to:

  • Driver actions or errors that caused or contributed to the crash
  • Actions either driver could have taken to avoid the crash
  • How injuries occurred

If the case goes to court, the specialist will be qualified as an expert witness and present testimony supported by a multi-media report that establishes a timeline of what happened at each point in the accident. The presentation may connect each party involved in the crash to certain actions and behavior as the accident progressed.

Act Promptly So Accident Reconstruction Can Help Your Accident Claim

Accident reconstruction requires prompt access to the vehicles involved in a car accident and to the accident scene. It is important to examine the vehicles as they existed after the crash. In time, a car that was in a wreck may be repaired or junked. If a vehicle is declared a total loss, it will be taken to a junkyard and destroyed. Meanwhile, time and weather will degrade the accident scene, and crucial evidence that may be obtained there can be lost forever.

It’s crucial to contact an experienced personal injury attorney as soon as you can if you have been injured in a car accident in Lexington or elsewhere in Kentucky. Our car accident attorneys at Morgan, Collins, Yeast & Salyer will move quickly to be sure the accident scene is examined and documented. Our attorneys also send preservation letters to notify parties connected to the accident of the necessity of preserving any evidence they may have. In some cases, an attorney may need to get a court order to ensure that the other driver’s car or truck is preserved and made available to the accident victim’s legal team.

Kentucky’s statute of limitations for filing a personal injury lawsuit based on a motor vehicle accident is two years from the date of the crash. Contacting an attorney as soon as possible can help expedite the investigation process should it become necessary to engage an accident reconstruction expert to help develop a car accident injury claim.

Contact a KY Car Accident Attorney

If you’ve been seriously injured by another motorist while driving in Kentucky, let the car accident attorneys of Morgan, Collins, Yeast & Salyer help you seek the compensation you need to cover your medical expenses and move forward with your life. If we handle your case, we will act immediately to preserve evidence and start our investigation of your accident. If necessary, we can bring in an accident reconstruction expert we regularly work with as soon as we identify the need.

Contact Morgan, Collins, Yeast & Salyer right away at (877) 809-5352 or online to set up your free consultation. Find out how Kentucky Courage can help you demand justice and full compensation.

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Is Uninsured Motorist Coverage Required in Kentucky?

Automobile owners in Kentucky are not required to have uninsured motorist coverage. Even so, most drivers in the Commonwealth do have insurance to protect against drivers without insurance.

Insurance companies writing policies in Kentucky are required to offer uninsured motorist protection to anyone who purchases an auto liability insurance. Unless you specifically rejected in writing uninsured motorist coverage, then you most likely have it.

It’s certainly a good idea to have uninsured motorist coverage. Uninsured motorist insurance provides coverage if you are seriously injured by an uninsured driver who does not have auto liability insurance. Unfortunately, thousands of people drive without auto liability insurance.

The best protection against uninsured drivers is to have an uninsured motorist policy as part of your automobile insurance.

Mandatory Insurance in Kentucky

Kentucky law requires all motor vehicle owners in the state to maintain liability insurance for each vehicle with coverage of at least:

  • $25,000 per person/$50,000 per accident in bodily injury coverage, and
  • $10,000 per accident property damage coverage, or
  • $60,000 combined liability coverage.

Kentucky’s auto insurance laws also require that owners of cars and trucks registered in the Commonwealth have personal injury protection (PIP) auto coverage, which is commonly known as no-fault insurance.

Unfortunately, many drivers in Kentucky violate the law regarding mandatory insurance. Approximately 14 percent of Kentucky drivers were driving uninsured in a recent year, according to the Insurance Institute for Highway Safety.

What Happens When the Other Driver Does Not Have Insurance in Kentucky?

If you are in an accident caused by another driver, you would file a claim with your no-fault insurance for your medical bills. If your injuries are serious, your medical bills may quickly exceed the $10,000 limit on medical expenses in the Personal Injury Protection policy.

Ordinarily, you would then file a claim against the at-fault driver’s auto liability insurance and seek compensation for your losses. But if the driver who hit you is uninsured, then you wouldn’t have the option of seeking insurance compensation from the other driver.

Most uninsured drivers have few assets. Therefore, suing the uninsured driver may not be a valid option to seek compensation. That is understandably frustrating.

You will need to file a claim against your own uninsured motorist policy and seek compensation

Insurance companies often question uninsured motorist claims or try to settle the claims for less than full value. If your insurer disputes your uninsured motorist claim, don’t give up without consulting a knowledgeable personal injury lawyer.

Our attorneys at Morgan, Collins, Yeast & Salyer, PLLC have the Kentucky Courage to stand up to big insurance companies and demand justice for injured Kentuckians. The attorneys you may have seen in our television ads are the same ones who will handle your case.

Our uninsured driver accident lawyers at Morgan, Collins, Yeast & Salyer, PLLC can review the details of your uninsured motorist accident and explain your legal options and how we can help you. We are honored to fight for fair treatment and full compensation for Kentuckians who have been injured through no fault of their own. Call us today at (877) 809-5352.

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Tuesday, May 31, 2022

Moving Beyond Physical Injuries for Workers’ Compensation

In many cases, a worker who has suffered a traumatic physical injury on the job suffers related psychological harm as well. How a worker may react to physical trauma – a deep cut, electrical shock, fall from great height, or loss of a limb – differs for each individual. But it is well established that some people react to traumatic injury in a manner similar to post-traumatic stress disorder (PTSD), which may lead to depression and premature death.

In Kentucky’s workers’ compensation program, an injured worker may obtain reimbursement for the costs of treating psychological injury suffered on the job if “it is a direct result of a physical injury” (Ky. Rev. Stat. 342.0011(1)). This is a stricter standard than in other states, but it can be met. You can obtain the Kentucky workers’ compensation benefits you deserve if your occupational injury has done more than physical harm to you.

An experienced workers’ compensation lawyer from Morgan, Collins, Yeast & Salyer can help you seek the full benefits available by law after a workplace injury. Our law firm has recovered more than $300 million in workers’ compensation benefits for hardworking Kentuckians. We stand ready to fight for you. Contact us today to set up a free legal consultation.

Psychological Responses to Traumatic Physical Injury

There are numerous factors that affect how an individual reacts to trauma. A treatment manual published by the U.S. Substance Abuse and Mental Health Services Administration (SAMHSA) says responses depend on the characteristics of the individual, the type of the event(s), developmental processes, the meaning of the trauma, and sociocultural factors.

Regardless, “traumatic stress reactions are normal reactions to abnormal circumstances.” There are many varied short- and long-term responses to traumatic experiences found among individuals who may seek behavioral health services.

After a traumatic accident, a person may exhibit the following:

  • exhaustion
  • confusion
  • sadness
  • anxiety
  • agitation
  • numbness
  • confusion

More severe responses may include continuous distress, severe dissociation symptoms, and intrusive flashbacks that continue despite a return to safety.

Additional delayed responses to trauma can include:

  • Persistent fatigue
  • Sleep disorders
  • Nightmares
  • Fear of recurrence
  • Anxiety focused on flashbacks
  • Depression
  • Avoidance of emotions, sensations or activities that are associated with the trauma, even remotely.

These reactions will hinder the injured individual’s ability to engage in daily life activities, including working, sustaining self-esteem, and maintaining interpersonal contacts. Clearly, medical attention is warranted.

Treating the Psychological Effects of Workers’ Comp Injuries

Dr. Kenneth Larsen is a clinical psychologist at New England Baptist Hospital in Boston who treats workers who have sustained mental injuries, such as PTSD, as a result of a workplace injury. Speaking to the Workers’ Compensation Research Institute’s 36th Annual Issues & Research Conference in March 2020, he said workplace injuries often lead to mental health issues, including opioid dependence, depression and even suicide, according to a Business Insider report.

Providing early mental health treatment is key to a faster return to work, Larsen said. Larsen said that companies that communicate compassion to their workers see workers return to work more quickly than companies with a hands-off approach.

Mary Christiansen, the workers’ compensation claim manager for the electric utility Southern California Edison Co., told the conference her company developed a counseling program for workers’ comp recipients as part of its employee assistance program in 2017. It helps return injured employees to work and provides assistance for external factors, such as depression, and financial or family problems that can often accompany a workplace injury.

“Since the program’s implementation, the company’s overall claims costs have continued to decline, she said, and workers’ compensation claims that have historically come after an employee has taken Family and Medical Leave Act leave are also down,” Business Insider says.

Elsewhere, workers’ compensation claims adjuster Kristin Bowen writes that claims handlers should keep the possibility of post-injury depression in mind and maintain sensitivity and compassion when they recognize issues. Treating psychological injury, though an added cost, saves money in the long-term, she argues.

“Coupled with physical injury, post-injury depression can prolong recovery, delay return to work, and complicate the resumption of pre-injury function and activity levels,” Bowen says. “If the psychological effects are diagnosed and treated in conjunction with the physical injury, this will add time, resources, and money to the management of the physical injury, including longer periods off work, possible counseling, and added prescription costs. …

“To help promote the injured party’s recovery, both physically and mentally, it’s best that we provide the support and means to address this ever-growing challenge.”

Convincing Your Company of Your Workers’ Comp Injury Needsworkers compensation claim form

The psychological impact of trauma and the value of mental health services for healing are not breaking news. However, some employers are more enlightened than others. Unfortunately, it’s just as likely, if not more so, that your employer (and/or their workers’ compensation insurer) will seek to deny payments for mental health care after a workplace injury.

In some cases, Kentucky’s workers’ comp does cover the treatment of psychological injuries and you can get a psychiatric workers’ comp settlement for depression, PTSD or a similar issue.

In multiple court cases over the years, the Kentucky Supreme Court has expanded the definition of injury for workers’ comp claims, and exhibited “a growing appreciation … of the seriousness of mental injuries.”

In a case known as Richard E. Jacobs Group, Inc. v. White, the Supreme Court of Kentucky reiterated that a mental injury must result from a “work-related traumatic event,” as the statute says, and ruled that physical exertion at work – in White’s case, performing CPR on an injured man – could constitute a physically traumatic event.

As the author cited above suggests, “The White decision might allow a worker executing their daily duties to be compensated for mental injuries resulting from exertion,” a broad definition, indeed.

Our larger point is that there is reason to fight a denial of workers’ compensation benefits for mental health counseling and similar services connected to an occupational injury. Medical and legal professionals increasingly recognize that providing such services is morally correct, economically beneficial to the employer and within what Kentucky law says is appropriate.

It takes courage to stand up and say your claim is valid when you are denied. Let Morgan, Collins, Yeast & Salyer add the Kentucky Courage your workers’ compensation claim needs to recover the full benefit you deserve.

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