Question 1

What should I do immediately after a car accident in Kentucky or Ohio?

Accepted Answer

First, ensure everyone is safe and call 911. Get a police report — this is critical evidence. Document the scene with photos: vehicle damage, skid marks, road conditions, and any visible injuries. Exchange insurance and contact information with all parties. Seek medical attention even if you feel fine — some injuries appear hours or days later. Do not give a recorded statement to the other driver's insurance company before speaking with a legal consultant. Call Eric Deters at 859-250-2527 as soon as possible.

Question 2

What is the statute of limitations for car accident claims in Kentucky vs. Ohio?

Accepted Answer

In Kentucky, you have two years from the date of the accident to file a personal injury lawsuit. For property damage only, the limit is also two years. In Ohio, the statute of limitations for personal injury from a car accident is two years from the date of injury. If the accident involved a government vehicle or occurred on government property, special notice requirements may shorten these deadlines significantly. Do not wait — call 859-250-2527 now.

Question 3

Should I accept the insurance company's first settlement offer?

Accepted Answer

Almost never. Insurance companies are businesses — their first offer is designed to minimize their payout, not to fairly compensate you. They will often contact you quickly after an accident, before you fully understand the extent of your injuries or future medical costs. Eric Deters evaluates your case, identifies the true value of your claim including future medical expenses, lost wages, and pain and suffering, and helps you avoid leaving money on the table.

Question 4

Is Kentucky a no-fault state for car accidents?

Accepted Answer

Yes. Kentucky is a choice no-fault state. Drivers can choose to opt out of the no-fault system, which affects how and when you can sue the at-fault driver. Under the default no-fault system, your own Personal Injury Protection (PIP) coverage pays your medical bills and lost wages regardless of fault — but you can only sue the other driver if your medical expenses exceed $1,000 or you suffer serious injury. Ohio is a traditional fault (tort) state, meaning you can sue the at-fault driver directly. Eric Deters explains exactly which rules apply to your situation.

Question 5

What if the other driver was uninsured or underinsured?

Accepted Answer

If the at-fault driver has no insurance or insufficient coverage, you may be able to recover through your own Uninsured/Underinsured Motorist (UM/UIM) coverage. Eric Deters reviews your policy, identifies all available sources of recovery, and fights to maximize your compensation even when the at-fault driver cannot pay.

Question 6

Are semi-truck and commercial vehicle accidents handled differently?

Accepted Answer

Yes — significantly. Commercial trucking accidents involve federal regulations (FMCSA), mandatory logbook and black box data, corporate defendants, and multiple insurance policies. Evidence must be preserved immediately before it is destroyed or overwritten. Eric Deters has handled commercial vehicle cases and knows exactly what evidence to demand and how to hold trucking companies accountable.

Question 7

How much is my car accident case worth?

Accepted Answer

Every case is different. Compensation can include medical expenses (past and future), lost wages and earning capacity, pain and suffering, emotional distress, property damage, and in cases of extreme negligence, punitive damages. Eric Deters gives you a straight-talk assessment of your case's realistic value — no inflated promises, no lowball estimates.

Car Accident Legal Consulting

Red Flags — Don't Ignore These

How Eric Deters Helps You

Frequently Asked Questions

Eric Deters On The Law

Don't Let the Insurance Company Win