Auto Accident FAQ

What are my rights after a car accident?

If you have been involved in an auto accident due to the negligence of another driver, you have the right to have your car repaired at the expense of the negligent driver. You also have the right to seek financial compensation for your physical injuries and damages including lost wages, past and future medical bills and mental and physical pain and suffering. You also have a right to consult an attorney to walk you through the process and to negotiate your property damage and personal injury claims.

After an auto accident, do I have to speak with the negligent driver's insurance company?

You have the right to refuse to speak with the negligent driver's insurance company and you should refuse to do so. You are under no obligation to sign any forms the negligent driver's insurance company sends you including authorization releases for your medical records.

Regardless of what the negligent driver's insurance company tells you, they do not have your best interests at heart and are not interested in giving you fair compensation for your injuries and losses. Refusing to speak with the other driver's insurance company will not hurt your case and will not prevent you from obtaining financial compensation for your injuries.

If the negligent driver's insurance company contacts you, you should refuse to speak with them and consult with an attorney. Any reputable attorney will provide you with a free initial consultation and, at the very least, provide you with information about your rights and obligations when dealing with an insurance company.

What is fair compensation for my auto accident injuries?

Every auto accident case is different but generally speaking you have the right to recover your lost wages, future lost wages, past and future medical bills, and physical and mental pain and suffering.

Factors that can affect your potential recovery include, but are not limited to: (a) pre-existing medical conditions; (b) prior lawsuits seeking compensation for the same injuries; (c) the amount of insurance and assets that the at-fault driver has available; (d) the amount of underinsured or uninsured motorist insurance you have available; (e) whether the safety devices such as seat belts or airbags on your vehicle failed to operate as designed; (f) the type of vehicle that hit you (i.e., a mini cooper vs. an 18-wheel tractor trailer); and (g) your medical records before and after the auto accident.

How long do I have to file suit?

In Kentucky and Ohio, auto accident victims generally have two years from the date of the accident to file a lawsuit. If an auto accident victim does not file a lawsuit within the allotted time period, he/she may lose the right to file a lawsuit.

How will my auto accident related medical bills be paid?

Kentucky requires all motor vehicles (except motorcycles) to have no-fault personal injury protection (PIP) coverage of at least $10,000 per person, per accident for medical expenses, lost wages, and "out of pocket" expenses related to the accident. This means that the car insurance company, providing coverage for the car you are riding in at the time of the accident, is generally responsible for the first $10,000.00 of your accident related medical bills. If you exhaust your PIP coverage, your private health insurance or government provided health insurance is responsible for paying your medical bills.

In Ohio, medical payments coverage is an optional service that may be purchased for a small fee through your car insurance company. Medical payments coverage allows you to submit your auto accident related medical bills to your automobile insurance company for payment regardless of whether you caused the accident. This coverage may also cover policyholders and their family members when they are injured while riding in someone else's car or if a car hits them while on foot or bicycling. In Ohio, medical payments coverage through ones car insurance is usually limited to a specific amount. It can be as low as $500.00 and we occasionally see med pay limits as high as 100,000.00. The most common limit is $5,000.00.

My own insurance company wants to be reimbursed for paying my accident related medical bills; do I have to pay them?

One thing that catches most auto accident victims by surprise is that their own insurance companies, to whom they have paid premiums to for years, will demand reimbursement for any medical bills paid on the victim's behalf out of the victim's settlement. Although this seems and is extremely unfair, insurance companies place reimbursement language in small print in every insurance contract that requires the insured (injury victim) to reimbursement the insurance company for all medical expenses paid if the injury victim recovers from a third party.

Although there are many attorneys that claim to be able to successfully settle your auto accident claim with the negligent driver's insurance company, few attorneys have the ability, time or motivation to challenge your own insurance company's claims to reimbursement. We work hard to reduce the amount of money that has to be paid back to your insurance company and maximize the amount of money that goes into your pocket. At The Sanders Law Firm our auto accident attorneys consistently reduce or eliminate reimbursement liens that insurance companies attempt to claim out of the settlement or verdict we obtain on your behalf.

Do you charge for an initial consultation?

We always offer a free, no hassle consultation where an attorney (not a paralegal or secretary) will sit down with you and your family to explain your rights, the legal remedies available to you and evaluate the strength of your case.

How much do you charge to take my case?

The Sanders Law Firm offers a zero fee guarantee on every auto accident case. This means that we will not receive a fee, and you will owe us nothing, unless we win or settle your case.

The auto accident attorneys at The Sanders Law Firm will take your case on a contingency fee basis. Under this arrangement, our law firm will front all case expenses including filing fees, expert fees and court costs. If we do not win your case, you owe us nothing and we assume responsibility for all expenses and costs.

What separates The Sanders Law Firm from other auto accident attorneys?

Before explaining what makes us an exceptional law firm, it is important that we explain what differentiates us from other law firms.

  • Unlike many law firms, we don't claim expertise in lots of different areas of law. We don't practice criminal defense. We don't do estate planning. We don't handle divorces or child custody disputes. We are not a "jack of all trades" law firm. At The Sanders Law Firm, we do one thing and one thing only, we represent victims and families of victims who have been seriously injured as a result of another's negligence.
  • Unlike many law firms, we don't just claim to have a history of success - We Prove It! Our attorneys have achieved numerous million and multi-million dollar settlements and verdicts on behalf of injury victims and their families, including several jury verdicts that are among the largest in Kentucky and Ohio history.
  • Unlike many law firms, we are not a settlement mill. Many law firms advertise heavily and take every case. The business model of these firms is to settle as many cases, as quickly as possible, while doing as little work as possible. In doing so, they often settle personal injury cases for significantly less than the client truly deserves. At The Sanders Law Firm we carefully screen our cases. Every case we take is worked up as if it is the only case we have. Because we only work on a limited number of cases at a time, we can ensure that every cases gets intense individualized attention.
  • Unlike many law firms, we don't represent both injury victims and insurance companies. For more than 30 years, The Sanders Law Firm has exclusively represented and fought on behalf of injury victims.

Why should I choose the Sanders Law Firm as my auto accident attorneys?

  • We offer a zero fee guarantee. This means that we will not receive a fee, and you will owe us nothing, unless we win or settle your case.
  • We have compassionate, skilled, dedicated and aggressive trial attorneys who will do everything in their power to ensure that you and your loved ones receive the justice you deserve.
  • We have a track record of success and some of the highest verdicts in Kentucky and Ohio history.
  • We have the will, ability and means to litigate your case regardless of the size, wealth and resources of the opposition. We have litigated dozens of cases against some of the world largest healthcare corporations, automobile manufacturers, trucking companies, pharmaceutical corporations and railroads as well as virtually every major insurance company in America.
  • We are recognized by our peers as one of the best plaintiff personal injury law firms in America. We are listed in The Best Lawyers in America, Super Lawyers; and Martindale Hubbell Bar Register of Preeminent Lawyers. These companies provide independent, peer review based evaluations of all the lawyers in the U.S. Only a precious, few law firms in America achieve the top rating by all three of these organizations.
  • We offer a relaxed family atmosphere. As a family law firm, when we take a case, we work on your case as if you were our family.

Are your auto accident attorneys trial tested?

Yes. Over the last 39 years, Bob Sanders has tried thousands of case. Every attorney in our office has actual trial experience. Not only do we try cases, we have a proven track record of success. We have achieved some of the highest verdicts in Kentucky and Ohio history.

How much experience does your firm have at litigating auto accident cases involving semi-trucks, vans, cars and motorcycles?

For the last 39 years we have exclusively represented auto accident victims. We have extensive experience litigating auto accident cases involving, cars, tractor trailers, and motorcycles. In fact, we have achieved million dollar settlements and verdicts on behalf of auto accident victims and their families who have been injured in collisions involving cars, tractor-trailers and motorcycles.