Did You Know? How Insurance Works


DID YOU KNOW? Did you know that in every injury claim we handle, the negligent party's insurance pays the settlement on their behalf. So, when you hear that someone in a wreck, fall or other similar case has retained a lawyer, it does not mean that they are trying to sue the other person involved and take something from them, only that the injured party is seeking compensation from an insurance company which will not cost anyone even a penny out of pocket.

Kentucky has laws in place that prevent any jury from learning that an involved party has liability insurance, primarily to prevent the jury from awarding money to someone who may not otherwise be entitled “just because they know that an insurance company is paying the bill.”

As a result, when a lawsuit is filed, it always reads “Person A, Plaintiff, vs. Person B, Defendant.” Just because the insurance is not listed or disclosed, does not mean it is not involved - it hires and pays for the lawyer of the Defendant AND it pays any settlement amount or jury award up to the insurance limit - all without the jury, or public, ever knowing.

A claim or lawsuit can cost an individual person money if the injured party seeks more money than there is insurance available. In 45 years, we are proud to say we have been able to help tens of thousands of clients, securing good and fair compensation, without one single time taking even a penny from someone. When you hear Kirk Law Firm is involved, you can rest assured that we are fighting for an injured friend against a large insurance company and won’t take a dime from the “Defendant.” We believe insurance should be responsible to those who are injured - that’s what we pay premiums for.

Disclaimer: If you or someone you know was injured as a result of the negligence of another, call one of our offices. We have a team of highly skilled lawyers standing by to assist you. This article is for informative purposes only and is no substitute for advice with an attorney fully informed about the facts of a specific matter. This does not constitute an offer of representation nor does it create an attorney-client relationship. THIS IS AN ADVERTISEMENT.