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Whose Insurance Should I Call After an Accident?



After a car accident, figuring out who to call and what steps to take can feel overwhelming. The good news? It doesn’t have to be. By calling an experienced personal injury attorney like those at Mory & Colliersmith, PLLC first, you can let us handle everything for you—making the process seamless and stress-free.


Our team specializes in guiding accident victims through every step of the claims process. From dealing with your insurance company to handling the at-fault driver’s insurer, we do the heavy lifting so you can focus on what matters most: recovering and getting back to your life.


Why Your First Call Should Be to an Attorney

When you call Mory & Colliersmith, PLLC, you’re putting your case in the hands of professionals who know exactly how to navigate the aftermath of an accident. Here’s how we make the process smooth and hassle-free:

  • We’ll Handle Your Insurance Company: You don’t need to worry about making the “right” call or saying the “right” thing. We’ll contact your insurance company on your behalf, ensuring all necessary information is provided without jeopardizing your claim.

  • We’ll Deal with the Other Driver’s Insurance: If the accident wasn’t your fault, we’ll communicate directly with the at-fault driver’s insurance company to ensure they take responsibility and cover your damages.

  • We’ll Guide You Through Every Step: From filing claims to negotiating settlements, our team takes care of all the details, so you don’t have to.


By trusting us to manage the process, you can avoid the stress and pitfalls that come with handling insurance claims on your own.


What About Your Insurance Company?

Kentucky operates under a no-fault insurance system, meaning your own insurance policy will cover your initial medical expenses and lost wages through Personal Injury Protection (PIP) coverage. While it’s important to notify your insurer of the accident, you don’t need to worry about navigating the conversation alone.


How We Help:

  • We’ll File the Claim for You: Our team will handle all communication with your insurance company, ensuring the claim is filed correctly and promptly.

  • We’ll Protect Your Interests: Insurance adjusters may try to minimize payouts. We’ll advocate for you to ensure you receive all the benefits you’re entitled to under your policy.


What About the At-Fault Driver’s Insurance?

If another driver caused the accident, their insurance company is responsible for covering your property damage, medical bills beyond PIP, and other losses. However, dealing with their insurer can be frustrating and time-consuming. That’s where we step in.


How We Make It Easy:

  • We’ll Handle Communication: You won’t need to make any calls or answer any questions from the at-fault driver’s insurer. We’ll take care of everything for you.

  • We’ll Negotiate on Your Behalf: From property repairs to compensation for pain and suffering, we’ll work to secure the maximum payout you deserve.


Special Cases We Handle for You

Uninsured or Underinsured Drivers

If the at-fault driver doesn’t have enough insurance to cover your damages, we’ll explore alternative options like:

  • Uninsured/Underinsured Motorist Coverage (UM/UIM): This is included in many insurance policies and can cover your medical bills and other damages.

  • Collision Coverage: We’ll help you use this to repair your vehicle, if needed.


Hit-and-Run Accidents

In hit-and-run cases, we’ll:

  1. File a claim under your policy’s UM/UIM coverage.

  2. Work with local authorities to gather any evidence that might identify the driver.

  3. Handle all the paperwork and communication with your insurer.

No matter the situation, we’ll make sure every avenue for compensation is explored and pursued on your behalf.


How Mory & Colliersmith, PLLC Makes It Seamless


At Mory & Colliersmith, PLLC, we understand that dealing with insurance companies can feel daunting—but you don’t have to do it alone. When you work with us:

  1. We Handle Everything: From making calls to negotiating settlements, we take care of every detail, saving you time and stress.

  2. We Keep You Informed: While we handle the logistics, you’ll always stay updated on your case’s progress and next steps.

  3. We Fight for Maximum Compensation: Our experienced attorneys know how to get results, ensuring you receive fair compensation for your injuries, damages, and suffering.


After a car accident, your first call should always be to Mory & Colliersmith, PLLC. We’ll take the burden off your shoulders by handling all communications with insurance companies, guiding you through every step of the process, and fighting for the compensation you deserve.

With our team in your corner, you won’t need to worry about making the right calls or dealing with insurance adjusters—we’ll do it all for you.


Contact us today for a free consultation and let us make this process as smooth and stress-free as possible.


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