by Amy Foster | Oct 28, 2025 | Auto Accident, Bicycle Accident, Brain Injury, Kentucky, Motorcycle Accident, Pedestrian Accident, Personal Injury, Trucking Accident
Recovering Lost Wages After a Car Wreck in Kentucky
When you’re hurt in a crash, the bills don’t stop — and neither do your daily responsibilities. Missing work because of your injuries can quickly turn a stressful situation into a financial crisis.
At Queener Law, we help Kentucky crash victims recover every dollar they’ve lost — including the paychecks they missed while healing.
Here’s what you need to know about recovering lost wages after an auto accident in Kentucky.
What Counts as Lost Wages?
“Lost wages” refers to any income you miss out on because of your injuries. This can include:
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The pay you would’ve earned if you hadn’t been hurt
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Overtime, bonuses, or commissions you typically receive
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Self-employment income or contract work that you couldn’t complete
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Sick or vacation days you had to use during your recovery
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Future lost earning capacity if your injuries keep you from returning to your previous job or hours
These losses add up quickly — and insurance companies rarely offer to cover them fairly without a fight.
How Kentucky’s No-Fault System Works
Kentucky is a “choice no-fault” state, which means your own auto insurance provides the first layer of protection through Personal Injury Protection (PIP) benefits.
Basic PIP coverage pays up to $10,000 per person for medical bills, lost wages, and other out-of-pocket expenses — regardless of who caused the crash.
Under standard PIP, you may receive 80% of your lost income, up to $200 per week, while you’re unable to work.
However, that often doesn’t come close to covering your real losses. If your injuries meet Kentucky’s “tort threshold” (for example, a broken bone, permanent injury, or over $1,000 in medical expenses), you can step outside the no-fault system and pursue a claim against the at-fault driver for your full damages — including all lost wages and future lost earning potential.
That’s where Queener Law steps in.
Proving Your Lost Wages Claim
Insurance companies often challenge wage loss claims, so documentation is key. Here’s what strengthens your case:
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Medical Records – Show that your injuries directly caused your missed work time.
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Doctor’s Note or Work Restrictions – A clear statement from your treating physician helps connect your time off to your injuries.
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Employer Verification – A letter confirming your position, pay rate, and the time you missed because of the crash.
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Pay Stubs or W-2s – Proof of your normal earnings, including overtime and bonuses.
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Tax Returns or Business Records (for self-employed) – Invoices, contracts, or profit-and-loss statements showing your income before and after the accident.
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Future Loss Documentation – If your injuries impact your long-term career or ability to earn, we work with experts to project your future lost earning capacity.
Queener Law knows how to gather and present this evidence effectively so insurance companies take your claim seriously.
Don’t Wait Too Long to File
Kentucky law gives most crash victims two years from the date of the accident (or from the last PIP payment) to file a lawsuit for lost wages and other damages.
Missing this deadline can permanently bar your claim — even if you have clear proof of your losses. The sooner you contact an attorney, the better we can protect your rights and preserve evidence.
Common Roadblocks — and How We Overcome Them
Insurance companies often try to minimize or deny lost wage claims. You might hear:
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“You could have gone back to work sooner.”
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“Your injuries weren’t that serious.”
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“You didn’t make that much before the wreck.”
At Queener Law, we don’t let them shift the blame or undervalue your recovery. Our team builds a detailed case showing exactly how the crash affected your ability to work — both now and in the future.
We also make sure your PIP benefits are properly applied and that you receive every dollar available under your policy before pursuing the at-fault driver’s insurer.
Why Choose Queener Law
Recovering lost wages after a crash can feel overwhelming — especially while you’re trying to heal. The insurance adjuster has a playbook designed to save them money. We have a different one: the truth.
At Queener Law, we handle all communication, documentation, and negotiation so you can focus on getting better. You’ll never owe us a fee unless we win your case.
We proudly help clients throughout Kentucky and Tennessee understand their rights and recover what they’re truly owed after someone else’s negligence turns their life upside down.
If you’ve missed work because of a Kentucky car wreck, don’t leave money on the table.
Call Queener Law today for a free consultation — and let us fight to recover your lost wages and get your life back on track.
by Amy Foster | Sep 23, 2025 | Auto Accident, Bicycle Accident, Brain Injury, Colorado, Kentucky, Motorcycle Accident, Pedestrian Accident, Personal Injury, Tennessee, Trucking Accident
After a car wreck, you may assume the insurance company will cover your damages fairly. Unfortunately, insurers often undervalue claims, push for quick settlements, and leave victims with medical bills and financial stress. That’s where an experienced car accident attorney steps in. Their job is to maximize your car wreck case so you recover the full compensation you deserve.
1. Investigating the Crash Thoroughly
Your attorney begins by digging deep into what happened:
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Reviewing police reports and crash scene evidence
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Interviewing witnesses and obtaining surveillance or dashcam footage
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Working with accident reconstruction experts if liability is disputed
This investigation helps prove fault and strengthens your case against insurance company defenses.
2. Calculating the True Value of Your Claim
Insurance companies often try to minimize payouts by focusing only on immediate medical bills. An attorney looks at the bigger picture, including:
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Current and future medical expenses
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Lost wages and diminished earning potential
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Pain and suffering, emotional distress, and loss of enjoyment of life
By accounting for long-term impacts, your lawyer ensures no damages are left off the table.
3. Handling the Insurance Companies
Dealing with insurers can be overwhelming, especially when you’re recovering from injuries. Your attorney will:
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Take over all communications so you don’t risk saying something that hurts your claim
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Push back against lowball settlement offers
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Use the threat of litigation as leverage to demand a fair outcome
Insurance companies know which lawyers are prepared to fight — and they often pay more to avoid trial.
4. Working with Medical Experts
Proper medical documentation is crucial. Your attorney may:
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Connect you with specialists to evaluate long-term effects
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Ensure your injuries and treatments are fully recorded
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Use medical expert testimony to show how your life has been impacted
This evidence helps maximize compensation for both visible and hidden injuries.
5. Building a Strong Legal Strategy
Even if your case settles outside of court, your lawyer prepares it as if it’s going to trial. This includes:
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Anticipating the defense’s arguments and building counter-evidence
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Organizing records, reports, and testimony into a compelling narrative
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Meeting all legal deadlines so your claim isn’t jeopardized
A well-prepared case shows the other side you’re serious.
6. Fighting for Maximum Recovery
A skilled attorney looks for every potential source of compensation, such as:
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The at-fault driver’s insurance policy
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Your own uninsured/underinsured motorist coverage
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Umbrella policies or business liability insurance if applicable
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Third parties (e.g., a bar under dram shop laws if alcohol was involved)
By pursuing all avenues, your attorney ensures you don’t leave money on the table.
When you’re hurt in a crash, the insurance company’s goal is to pay as little as possible. An attorney’s goal is the opposite: to maximize your car wreck case by investigating thoroughly, calculating full damages, fighting insurers, and pursuing every available source of compensation.
If you’ve been in a car wreck, don’t settle for less than you deserve — contact Queener Law to fight for you.
by Amy Foster | Aug 21, 2025 | Auto Accident, Bicycle Accident, Brain Injury, Kentucky, Motorcycle Accident, Pedestrian Accident, Personal Injury, Trucking Accident
Partially at Fault in a Car Wreck in Kentucky? Know your Rights.
Car accidents are rarely black and white. Maybe you were speeding a little. Maybe you missed a stop sign. But the other driver wasn’t exactly blameless either.
So what happens if you’re partially at fault in a car wreck in Kentucky?
Good news: you may still be entitled to compensation — and an experienced personal injury attorney can help you get it.
Kentucky Uses “Pure Comparative Negligence”
Kentucky follows a legal rule called pure comparative negligence. That means:
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You can still recover damages, even if you were partially — or even mostly — at fault.
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Your compensation is simply reduced by your percentage of fault.
Example:
If you were found to be 30% at fault, and your total damages were $100,000,
you would still recover $70,000.
Even if you were 70% at fault, you could still recover $30,000 — though the other driver might file a claim against you, too.
This system is designed to be fairer to injured people — but that doesn’t mean the insurance companies play fair.
The Insurance Company Will Try to Use It Against You
Insurance adjusters are trained to minimize payouts, and they know that shifting more of the blame onto you means paying you less.
You might hear things like:
Even casual comments can be twisted to increase your percentage of fault — and cut your compensation.
How an Attorney Can Protect You
At Queener Law, we know the insurance company’s tactics — and we don’t let them get away with them.
Here’s how we help in comparative fault cases:
✅ Investigate Thoroughly
We gather police reports, witness statements, accident reconstructions, and any video evidence to paint an accurate picture of what really happened.
✅ Push Back on Unfair Blame
If the insurance company is trying to increase your fault, we fight back with facts and legal strategy.
✅ Maximize Every Dollar
Even if you’re partially at fault, we work to ensure you receive full compensation for your injuries, lost wages, and pain and suffering — not just what the insurer says you deserve.
Bottom Line: Partial Fault Isn’t the End of Your Case
Kentucky’s comparative negligence laws are on your side — but you need someone who knows how to use them in your favor.
If you’ve been in a car wreck and think you might be partially at fault, don’t assume you don’t have a case.
Let Queener Law evaluate your situation and fight for every dollar you deserve.
📞 Call us today for a free consultation.
We’re your #DangGoodLawyer — and we’re ready to help.
by Amy Foster | Aug 21, 2025 | Bicycle Accident, Brain Injury, Motorcycle Accident, Pedestrian Accident, Personal Injury, Tennessee, Trucking Accident
Partially at Fault in a Car Wreck? Here’s What You Need to Know about Tennessee Comparative Fault in Car Accidents
When you’re involved in a car wreck, it’s natural to worry about who was at fault. But what if the answer is… both drivers?
If you’ve been in a Tennessee comparative fault car accident, you may be wondering how Tennessee’s comparative negligence law impacts your case. You were partially responsible for the crash, you might think that means you’re out of luck when it comes to recovering damages — but that’s not always true. Thanks to Tennessee’s modified comparative fault system, you may still be entitled to compensation.
Let’s break it down.
What Is Modified Comparative Fault?
Tennessee follows what’s known as a “50% bar rule” under modified comparative fault. This means:
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If you’re less than 50% at fault, you can still recover damages — but the amount is reduced based on your percentage of fault.
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If you’re found to be 50% or more at fault, you’re barred from recovering anything.
Real-Life Example
Let’s say you’re in an accident and a court finds you 30% responsible, while the other driver is 70% at fault. Your total damages are $100,000.
Under Tennessee law, you could still recover $70,000 — your award reduced by the 30% that reflects your portion of fault.
However, if you were found to be exactly 50% or more at fault, you would get nothing. That’s why it’s critical to protect yourself from inflated blame.
How Insurance Companies Use This Against You
Here’s the catch: insurance companies know the rules — and they’ll often try to shift more blame onto you to reduce or completely deny your claim. Their goal? Get you to or above that 50% mark so they don’t have to pay at all.
They might:
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Misinterpret your statement
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Downplay the other driver’s role
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Push you to settle before the facts are clear
This is where having an experienced attorney matters.
How an Attorney Can Help
At Queener Law, we understand how to navigate Tennessee’s comparative fault system and push back when the insurance company plays games. Here’s how we help:
- Investigate the Wreck Thoroughly
We gather critical evidence — including police reports, witness statements, crash data, and video footage — to build a strong case that accurately shows who was at fault.
If the insurer is trying to assign you more fault than you deserve, we fight to correct the record and defend your share of liability.
Even if you’re partially at fault, we work to maximize your compensation for medical bills, lost wages, pain and suffering, and more.
- Represent You in Court if Needed
If the insurance company refuses to play fair, we’re ready to take your case to trial.
Final Word: Don’t Let Partial Fault Stop You
Being partially at fault in a car wreck doesn’t mean you don’t have a case — especially in Tennessee. But the insurance company will absolutely use the law to their advantage unless you have someone in your corner.
Let Queener Law fight for you.
Don’t navigate Tennessee car accident fault laws alone. Contact an experienced Tennessee personal injury attorney at Queener Law. know the rules. We know their tactics. And we’ll make sure you don’t get pushed out of the compensation you deserve.
Contact Queener Law today for a free consultation.
We’ll handle the legal stress —
by Amy Foster | Jul 30, 2025 | Auto Accident, Bicycle Accident, Brain Injury, Colorado, Kentucky, Motorcycle Accident, Pedestrian Accident, Personal Injury, Tennessee, Trucking Accident
6 Red Flags the Insurance Company is Undervaluing Your Injury Claim
After a car wreck, you’re likely overwhelmed — dealing with pain, doctor visits, missed work, and a suddenly complex insurance process. And while insurance companies may act helpful, their job is to protect their bottom line — not your best interest.
If you’ve filed a personal injury claim, watch for these red flags that the insurance company is undervaluing your case:
1. Quick Settlement Offer
If the insurance company rushes to offer you a check — sometimes within days of your crash — it’s not because they’re being generous. It’s a tactic to settle the claim before you understand the full extent of your injuries or future medical needs.
Tip: Never accept a settlement without speaking to a personal injury attorney.
2. Downplaying Your Injuries
They may tell you your injuries are “minor,” or that your symptoms don’t line up with the crash. They might even claim your pain is from a pre-existing condition. If your doctor says otherwise, trust your medical provider — not the insurance adjuster.
3. Delayed or Avoidant Communication
If they stop returning your calls, take weeks to reply, or repeatedly say your claim is “under review,” it’s often an intentional delay tactic. They hope you’ll get frustrated, worn down, and accept less than your claim is worth.
4. Ignoring Non-Economic Damages
Medical bills aren’t the only thing you’re entitled to. If they’re ignoring pain and suffering, emotional trauma, or loss of quality of life, they’re not offering you a fair settlement. Kentucky law allows compensation for both economic and non-economic damages.
5. Using Your Words Against You
Be careful what you say in a recorded statement — and what you post online. Insurance companies will comb through your words and social media to find anything they can twist to minimize your injuries or shift the blame.
6. Blaming You for the Wreck
Even when fault is clear, adjusters may claim you were partially (or fully) at fault to reduce what they owe you. Don’t accept their version of events without legal guidance — especially if you have police reports or witnesses backing you up.
If Something Feels Off, It Probably Is
The truth is, you deserve better than what the insurance company is offering — and you don’t have to fight alone. At Queener Law, we see these tactics every day, and we know how to fight back.
Let us handle the insurance company so you can focus on healing.
by Amy Foster | Jul 14, 2025 | Auto Accident, Bicycle Accident, Brain Injury, Colorado, Kentucky, Motorcycle Accident, Pedestrian Accident, Personal Injury, Tennessee, Trucking Accident
You Don’t Have to Be “Seriously Injured” to Have a Valid Claim
Think your injury is “too minor” to pursue? Think again. You May Still Have a Valid Personal Injury Claim
At Queener Law, we hear this all the time:
“It was just a fender bender.”
“I walked away with a sore neck — no big deal, right?”
But here’s the truth: what seems “minor” today can turn into a major problem tomorrow. Waiting too long to take action can also cost you.
Minor Injuries Can Hide Serious Problems
That stiffness in your neck? That dull ache in your back? These could be early signs of something more serious, like:
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Whiplash
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Soft tissue damage
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Herniated discs
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Concussions
These injuries often don’t show their full impact right away — but they can lead to chronic pain, physical limitations, and expensive treatment down the road.
The Real Costs of “Small” Injuries
Even if your injury doesn’t land you in the hospital, it can still cause:
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Medical bills
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Missed work and lost wages
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Ongoing therapy or treatment
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Pain and emotional stress
Insurance companies are counting on you to shrug it off. They want you to believe your injury isn’t worth a claim. Don’t let them win.
You Deserve to Be Taken Seriously
Whether it’s a sore shoulder or a full-blown fracture, your injury matters — and you have a right to pursue compensation. The law doesn’t say you have to be seriously injured to have a valid personal injury claim. You just need to show that:
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You were hurt as a result of someone else’s negligence
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That injury caused you harm — physical, financial, or emotional
Talk to Someone Who Gets It
Before you write it off, talk to a lawyer who will take your pain seriously — like Queener Law. We’ve helped countless clients recover what they’re owed, even when they thought their injury “wasn’t that bad.”
You don’t have to go through it alone — and you don’t have to be “seriously injured” to deserve justice.
Call Queener Law today for a free consultation.
Let’s talk about what your case is really worth — before it’s too late.
