Car / Auto Accident Claims | Louisville, Kentucky
The insurance company already has a lawyer.
You should too.
Hance & Srinivasan has been handling car and auto accident claims in Kentucky for over 40 years. We do not take every case. Only the ones we believe in. And we do not get paid unless you do.
No Fee Unless We Recover · Free Case Review · No Obligation
- AV PREEMINENT™ MARTINDALE HUBBELL Highest Peer Rating
- SUPER LAWYERS® KENTUCKY SUPER LAWYERS Multiple Years
- 40+ YEARS TRIAL EXPERIENCE Kentucky Courts
- ~100% REFERRAL CLIENT BASE Word of Mouth
Car / Auto Accident Claims Overview
The accident was someone else's fault.
The fight for what you are owed is just beginning.
The other driver’s insurer started building their case the moment the call came in. Their first offer is not a fair evaluation. It is a test of how little you will accept. Medical bills, lost wages, long term care, pain and suffering: Kentucky law provides for all of it, but only if you pursue it correctly and before the clock runs out.
“The auto insurance companies know who we are. That changes what they offer.”
Michael R. Hance
What Clients Say
People who trusted us when it mattered most.
“Mr. Hance and his team were professional and knowledgeable during a very difficult situation. Their expertise and experience are second to none. They made the process as straightforward and easy as possible. I would highly recommend this law firm.”
- ⭐️⭐️⭐️⭐️⭐️ Verified Google Review
What happens when you call
From auto wrecks to malpractice and wrongful death, we handle complex cases with focus, care, and precision.
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1
You Tell Us What Happened
A free, confidential consultation. No paperwork. No commitment. We listen to your story and ask the questions that matter.
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2
We Give You an Honest Assessment
We will tell you what we think your case is worth, whether we are the right firm for it, and what we would do to pursue it. No spin.
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We Go to Work. You Pay Nothing Unless We Win
We advance all costs. Our fee comes from the recovery. If we do not win, you owe us nothing. No promises. That is simply how we work.
Start Here
Your case review is free. The call costs you nothing.
We review every case personally. If we take it, we handle it completely. If we do not think we can improve your outcome, we will tell you that honestly.
- No Fee Unless We Recover
- Free Case Review
- No Obligation
- 40+ Years of Trial Experience
- ~100% Referral Based Practice
Know Your Car / Auto Accident Rights
Kentucky Car / Auto Accident Law. in plain language.
Car / auto accident claims move fast, and so does the other side. The sooner we can evaluate your situation, the more options you have. If we take your case, we handle it completely. If we do not think we can improve your outcome, we will tell you that honestly.
Your Right to Step Outside No-Fault Coverage
Your own insurance covers initial bills regardless of fault. But if your injuries exceed $1,000 in medical expenses or involve permanent harm, you have the right to pursue the at-fault driver directly for full damages. Most serious injuries qualify.
Your Right to Recover Even If You Were Partly at Fault
Even if you were partly at fault, you can still recover. Kentucky follows a pure comparative fault rule: your damages are reduced by your percentage of fault, not eliminated. Do not let an insurer convince you otherwise before speaking with an attorney.
Your Right to Act Before the Statute of Limitations Closes
In Kentucky, you have two years from the date of the accident to file. Miss that deadline and your right to recover is gone permanently. Evidence disappears. The sooner you act, the stronger your position, and a consultation does not obligate you to anything.
Car / Auto Accident Claims Questions
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Straightforward claims with clear liability and minor injuries can resolve in 6 to 12 months. Cases involving serious injuries, disputed fault, or uninsured drivers often take 12 to 24 months or longer. We will never push you to settle before we understand the full extent of your injuries. Settling too early is one of the most costly mistakes in personal injury law.
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In most cases, yes. Kentucky’s no fault system requires you to file a PIP claim with your own insurer first for medical expenses and lost wages up to $10,000. If your injuries meet the threshold under KRS 304.39-060, you can simultaneously pursue a claim against the at fault driver for everything PIP does not cover, including pain and suffering and full lost wages beyond the $200 per week PIP cap.
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You may have a claim under your own uninsured or underinsured motorist coverage, which Kentucky law requires insurers to offer. Under KRS 304.20-020, uninsured motorist coverage protects you when the at fault driver carries no insurance or insufficient insurance to cover your damages. An attorney can identify all available coverage across every applicable policy.
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You may recover medical expenses past and future, lost wages, reduced future earning capacity, pain and suffering, emotional distress, and property damage. In cases involving particularly reckless conduct, Kentucky courts may also permit punitive damages. The full value of a serious car accident claim is almost always larger than what an insurer’s first offer suggests.
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Seek medical attention even if you feel fine, as symptoms often appear days later. Do not give a recorded statement to the other driver’s insurer. File the Kentucky civilian traffic collision report with the Kentucky State Police if law enforcement did not respond. Document the scene with photos, witness contact information, and the other driver’s insurance details. Then contact an attorney before accepting any settlement.
Further reading
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Warning Signs You May Have a Medical Malpractice Claim in Kentucky
A bad medical outcome is not automatically malpractice. Malpractice happens when a provider fails to meet the accepted standard of...
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Kentucky No-Fault Insurance & PIP: What You Need to Know
Being involved in a car accident is stressful enough without having to figure out how your medical bills will be...
We represent clients throughout Kentucky.
- Louisville
- Lexington
- Bowling Green
- Northern KY
- Owensboro
- Statewide
Referring an attorney?
We work with referring attorneys throughout Kentucky. All referral arrangements comply with Kentucky Bar rules.
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