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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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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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.
• 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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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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