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A car is deemed a “total loss” in Kentucky if it will cost more than 75% of the actual cash value of the car to repair it. In simple terms, if the car is worth $10,000, and the repair estimate comes in at $7,501, the car is a total loss, and the insurance company does not have to pay for repairs, even if you want it repaired. In that case, they will have to pay the actual cash value of the car–which is determined objectively through sales comparisons, market research, etc.

Consumers place trust in the products they purchase and use, but that doesn’t always mean they are safe. Even after...

With the large size of semi-tractor trailers, they are not hard to spot on Kentucky and Southern Indiana roadways....

The heat is sizzling. The grill is searing. School is out. Summer is the season to let loose and enjoy the outdoors....

Kentucky has some of the most beautiful scenery in the United States, so of course, it’s a popular destination to go...

As a renter spending your hard-earned cash for a place to live, you reasonably expect safe conditions when you enter...

Regardless of your case specifics, there are things you can do that may help or hurt how large your settlement will...

Negligence is one of the most common types of personal injury cases and is defined as a failure to behave...

You were walking to a coffee shop before work this morning, and even though you had the crossing signal, a speeding...

the car, for the rental, for the cell phone that was ruined in the accident?  The short answer is that the insurance for the person who caused the accident should pay for all of those things, but the long answer of course is that nothing is that easy.  Some of the issues involved in that discussion are condition of the car, total loss vs. repair, coverage available, and rental coverage.