After a car accident in Kentucky, one of the most important decisions you’ll make is whether to hire legal representation. If you’ve been injured, fault is disputed, or the insurance company isn’t offering fair compensation, you should strongly consider hiring a car accident lawyer. Even seemingly minor accidents can lead to unexpected complications, and legal representation protects your rights while maximizing your potential recovery with no upfront costs. Flora Templeton Stuart Accident Injury Lawyers offers their fifty years of experience to their clients injured in car, truck, motorcycle, pedestrian, and other motor vehicle accidents. Getting our clients good medical treatment, preserving evidence, and getting witness statements is what we do immediately when we are hired.
When You Need a Lawyer
Kentucky roads see significant accident-related injuries each year. According to the Kentucky Transportation Cabinet, there were over 59,000 injury crashes in 2023 alone. You should seek legal representation if you’re facing any of these situations:
- Injuries and Medical Expenses: If you’ve suffered injuries requiring extensive medical treatment, surgery, or ongoing care, our law firm can help you pursue full compensation for current and future expenses, including rehabilitation costs, prescription medications, medical equipment, and long-term care needs.
- Disputed Liability: Kentucky follows a pure comparative negligence system under KRS 411.182, meaning you can recover damages even if you’re partially at fault—but your compensation decreases by your percentage of fault. When liability is unclear, our experienced attorneys gather critical evidence including police reports, witness statements, accident scene photographs, and expert testimony to establish fault and prevent insurance companies from shifting blame onto you.
- Inadequate Insurance Offers: Insurance companies aim to minimize payouts. Research from the Insurance Research Council shows that accident victims with legal representation typically recover 3.5 times more compensation than those without attorneys. If you’ve received a low settlement offer or your claim was denied, our attorneys can negotiate aggressively against tactics like quick settlement offers, excessive documentation requests, or disputed medical treatment.
- Uninsured or Underinsured Drivers: Approximately 13% of Kentucky drivers are uninsured, according to the Insurance Information Institute. When the at-fault driver lacks adequate coverage, an attorney ensures you access all available compensation sources, including your own policy limits and potential third-party claims.
- Lost Wages and Earning Capacity: An attorney calculates both immediate lost income and long-term economic losses, documenting missed workdays, lost bonuses or commissions, reduced earning capacity, and impacts on retirement contributions—particularly important for self-employed individuals with variable income.
- Wrongful Death Claims: If you’ve lost a loved one in a fatal car accident, Kentucky law under KRS 411.130 allows certain family members to pursue claims for funeral expenses, medical bills, lost income, loss of companionship, and pain and suffering.
Not every fender-bender requires legal help. If your accident involved no injuries, minimal property damage, clear fault, and prompt fair insurance agreement, you may handle the claim yourself. However, be cautious—injuries like whiplash and concussions can appear days or weeks later, and straightforward claims can become complicated. When in doubt, our firm that has the experience to help you.
How Flora Templeton Stuart Can Help
With over 50 years of legal experience, Flora Templeton Stuart has built a reputation as one of Kentucky’s most trusted personal injury attorneys. Her decades of dedication to accident victims throughout the Commonwealth have resulted in substantial recoveries and restored lives.
Flora Stuart’s team thoroughly reviews every aspect of your case, identifying all potential compensation sources including pain and suffering, emotional distress, loss of quality of life, and permanent disability. The firm preserves critical evidence before it disappears—obtaining surveillance footage, documenting accident scenes, securing witness statements, and consulting medical experts. With 50 years of experience, Flora Stuart understands every insurance tactic and negotiates from a position of strength.
Kentucky’s statute of limitations under KRS 304.39-230 gives you two years from the time of your accident to file a claim, which can be extended by the payment of PIP benefits. For minors, this timer doesn’t start until they turn 18. Missing this deadline typically means losing your right to compensation entirely. Our experienced attorneys ensures all paperwork is filed correctly and on time while managing all communications and keeping your case moving forward.
Our firm helps you navigate the complexities of your case and determines the best path forward. While most cases settle out of court, Flora Stuart’s extensive courtroom experience provides leverage during negotiations because insurance companies know she’s prepared to go to trial when necessary.
Take Action Today—Free Consultation
Flora Stuart’s firm works on a contingency fee basis, meaning you pay no attorney fees unless you receive compensation. Initial consultations are completely free. During your consultation, you’ll discuss your accident details, potential case value, the legal process, and whether hiring an attorney makes sense for your situation.
If you’ve been injured in a car, truck, motorcycle, pedestrian, or other accident, call us 24/7 at 888-782-9090 or fill out our online form for a free consult. We don’t get paid unless you win.
