A serious car or truck accident can change your life in an instant. One moment you’re driving home — the next, you’re facing medical bills, pain, and uncertainty about the future. When another driver or trucking company’s negligence causes a crash, you have the right to seek compensation under Kentucky law.
At Moore Payne Law, Attorneys Geoff Moore and Spencer Payne are dedicated to protecting accident victims and their families. With experience in complex injury litigation and trial advocacy, they stand up to insurance companies and large corporations to secure the justice their clients deserve.
Common Causes of Auto and Trucking Accidents in Kentucky
Crashes happen every day, but most are preventable. They often result from careless or reckless behavior, including:
- Distracted driving (texting, GPS, or phone use)
- Speeding or aggressive driving
- Driving under the influence of drugs or alcohol
- Fatigued or drowsy driving — especially in long-haul trucking
- Failure to yield or obey traffic signals
- Poor vehicle maintenance or equipment failure
- Unsafe lane changes or tailgating
For trucking accidents, additional factors come into play, such as overloaded trailers, inadequate driver training, or violations of federal trucking regulations.
The Difference Between Car and Truck Accident Cases
While car accident claims typically involve individual drivers and insurers, trucking accidents are far more complex. Commercial trucks are governed by both federal and state safety regulations, and multiple parties may share responsibility, including:
- The truck driver
- The trucking company (employer)
- Vehicle or parts manufacturers
- Cargo loaders or maintenance contractors
- Insurance providers and brokers
Truck accident victims often face catastrophic injuries — spinal cord trauma, brain injuries, or wrongful death — due to the sheer size and weight of 18-wheelers. Moore Payne Law’s attorneys have the experience and resources to handle these high-stakes claims from start to finish.
Steps to Take After an Accident
In the aftermath of a crash, your actions can significantly impact your legal case. Here’s what to do:
- 1.
- Call 911 — Ensure everyone’s safety and request emergency medical help.
- 2.
- Document the scene — Take photos of vehicles, injuries, road conditions, and traffic signals.
- 3.
- Get contact information — Collect driver details, insurance info, and witness statements.
- 4.
- Avoid admitting fault — Even polite comments can be used against you later.
- 5.
- Seek medical attention — Some injuries (like concussions or internal bleeding) may not appear immediately.
- 6.
- Contact an attorney — Before speaking to insurance adjusters, reach out to Moore Payne Law for guidance.
The firm’s attorneys can handle communications, preserve evidence, and begin building your case while you focus on healing.
Understanding Liability in Kentucky Accidents
Kentucky is a “choice no-fault” state, meaning drivers can choose between no-fault and traditional insurance coverage. Under the no-fault system, your own insurer covers initial medical expenses and lost wages (up to a certain limit) regardless of who caused the crash.
However, when injuries are severe — or when medical expenses exceed the no-fault threshold — you may pursue a personal injury claim against the at-fault party.
Moore Payne Law carefully investigates every case to determine liability, which may include:
- Negligent or reckless drivers
- Employers or trucking companies that failed to maintain safety standards
- Manufacturers of defective vehicle parts
- Government entities responsible for unsafe road conditions
Their goal is to uncover every responsible party and pursue maximum compensation from all available sources.
Compensation Available to Accident Victims
If you’ve been injured in a car or truck accident, you may be entitled to compensation for:
- Medical expenses — emergency care, hospitalization, surgery, rehabilitation, and ongoing treatment.
- Lost wages — income lost during recovery and potential future earnings.
- Property damage — vehicle repairs or replacement.
- Pain and suffering — physical pain, emotional distress, and reduced quality of life.
- Permanent disability or disfigurement.
- Wrongful death damages — for families who’ve lost a loved one in a fatal crash.
Moore Payne Law fights to ensure clients are not shortchanged by insurance companies that prioritize profit over people.
Challenges in Trucking Accident Cases
Trucking companies and insurers often act quickly to protect themselves after a crash — sometimes deploying investigators to the scene within hours. Their goal is to minimize liability and limit payouts.
That’s why victims need an attorney who understands federal trucking laws (like FMCSA regulations) and how to preserve key evidence such as:
- Driver logs and rest schedules
- Truck maintenance records
- Onboard “black box” data
- GPS and communications between driver and dispatch
- Cargo loading and inspection reports
Moore Payne Law works with accident reconstruction experts and transportation specialists to build strong cases that expose negligence at every level.
The Role of Moore Payne Law
Attorneys Geoff Moore and Spencer Payne are known for their relentless advocacy and attention to detail. They combine compassionate client care with aggressive representation, ensuring every case is prepared for trial from day one.
Their approach includes:
- In-depth investigation of the crash and all liable parties
- Collaboration with experts, including medical specialists and engineers
- Negotiation with insurance carriers for fair settlements
- Litigation in court when companies refuse to take responsibility
Moore Payne Law’s goal is not just compensation — it’s accountability and justice for those whose lives were upended by negligence.
Why Experience Matters
Auto and trucking accident cases often involve multiple defendants, complex insurance policies, and substantial evidence. Without experienced representation, victims risk accepting low settlements that don’t cover their long-term needs.
Geoff Moore and Spencer Payne have handled numerous catastrophic injury and wrongful death claims arising from traffic accidents. Their reputation for preparation and courtroom success ensures insurance companies take their clients’ claims seriously.
What to Do If You’ve Been Injured
If you or a loved one has been involved in a serious car or trucking accident:
- 1.
- Seek medical attention immediately.
- 2.
- Preserve any documents related to the crash, including medical bills and police reports.
- 3.
- Contact Moore Payne Law before speaking with insurance companies.
The firm offers free consultations, and you pay nothing unless they win your case.
Fighting for Kentucky’s Crash Victims
Every crash victim deserves justice and fair compensation. At Moore Payne Law, Attorneys Geoff Moore and Spencer Payne are proud to serve Kentuckians injured by negligence on the road. Their commitment to integrity, preparation, and compassion has made them trusted advocates for accident victims statewide.
If you’ve been injured in a car or trucking accident, don’t face the aftermath alone. Contact Moore Payne Law today for a free consultation — and let their experience guide you toward recovery and justice.
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