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Michael A. Schafer
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Michael Schafer’s Answers

65 total


  • Do I need an attorney for my underage son after he was involved in an auto accident?

    My underage son was involved in an auto accident but has never had an operator's license. We live in KY, and I'm positive that the actual "wreck" was not my son's fault. The other driver's insurance company has contacted me but I don't know what t...

    Michael’s Answer

    If the other driver is claiming your son is at fault you should contact your insurance company and report the claim. If you gave your son permission to drive your insurance company should provide a defense. If your insurance company does not provide an attorney I would hire an attorney to protect your interests and fight that decision. I would also contact an attorney if your son was injured. He may have a personal injury claim against the other driver.

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  • I had a car accident yesterday I was at a stop light and a lady ran into the back of me I went to the hospital

    They said my injuries is cervical sprain another words whiplash can I sue

    Michael’s Answer

    I would contact an attorney as soon as possible that concentrates in car accident cases. You have a claim against the at-fault driver. There are steps you should take immediately to preserve evidence. The insurance company for the at fault driver is working on this case. You should get someone in your corner to advise you on the best course of action.

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  • Do I need a personal injury lawyer?

    My wife went to a McDonald's drive-thru and ordered a chicken sandwich. She was driving and opened the sandwich, put it in her mouth and quickly pulled it out of her mouth without biting into it when she realized that someone had taken a bite out ...

    Michael’s Answer

    • Selected as best answer

    You have a cause of action but, as I see it, there are no damages that you have at this point. In other words, unless your wife is injured in some way, there is not a monetary amount that can be collected. I would report the incident so that it is documented, photo the sandwich or even freeze it, until such time you are sure your wife has not been infected by her bite from the sandwich.

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  • I was hit in the rear of my driver side and then the car stuck my uhaul trailer. Driver left scene on foot, car was totaled.

    Driver told his insurance co. That he didn't see my truck nor uhaul trailer until it was too late to stop. They won't pay for my damages, said I was backing trailer improperly in road. It wasn't my fault officer on the scene even agreed, I can pro...

    Michael’s Answer

    I suggest you contact an attorney immediately. If the insurance company is denying liability you need to get an attorney in your corner to investigate the accident and preserve any relevant evidence. Any delay in doing this may injure your chance of recovery. The police officer's opinion is a good starting point but does not bind the insurance company. As I said, call an attorney as soon as possible.

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  • My daughter was on private property when another driver backed into her my daughter had no insurance can we make them pay repair

    No police report due to private property the other driver had liability, and my daughter did not have insurance, what can we do? Major damage to my daughter driver side door etc. only the bumper on the other vehicle. The other girl backed int...

    Michael’s Answer

    The fact that the accident happened on private property doesn't mean the at-fault party does not have to pay for the damage caused. It also does not matter that your daughter had no insurance. The at-fault party still has to pay for the damage. You should contact the insurance company of the car that caused the damage. If the y refuse consider small claims court.

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  • Car accident on private property, at fault driver no insurance. Now avoiding phone calls. How to proceed.

    At fault driver hit my parked car and stated she would pay for damages, obtained estimates and now she will not return my calls after I her the estimate. What can I do? I have a $500 deductible

    Michael’s Answer

    Another option to Small Claims Court is to proceed through the criminal courts. No Insurance is a criminal offense in Kentucky. You can go down to the Jefferson County Hall of Justice and go to the County attorney's Office warrant division and take out a No Insurance warrant. The defendant will face a fine and jail time, as well as a potential loss of license. The court will also order restitution fro your out of pocket expenses or the damage to your car. You will not have to pay a filing fee. I have found this to be very effective. Good luck.

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  • I was rear ended in a company vehicle while off work driving home. I was injured. Could I sue there insurance company?

    I went to the ER was diagnosed with cervical sprain and lower spine sprain. I have not been cleared to work in almost 2 weeks. I'm still in pain. I have not heard from her insurance company. I had to file workmans comp when I went to the hospital....

    Michael’s Answer

    You should notify your personal health insurance company, which is referred to as your PIP carrier. They are responsible for the first $10,000.00 of medical bills right now and will be reimbursed by the at-fault insurance company at the end of the case. . Then you should notify the insurance company of the car that caused the wreck. They are responsible for pain and suffering. Before doing this I would suggest you contact an experienced Kentucky car accident attorney to discuss the specifics of your case.

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  • How much compensation is possible?

    Was recently a passenger in a car accident that was the other cars fault. My best friend the driver was killed instantly and I was in the hospital for a day. I had a bruised lacerated spleen and a whole lot of upper body soreness. I was contacted ...

    Michael’s Answer

    Initially your medical bills will be paid by the insurance company for the car that you were in. The at fault insurance company will compensate for the pain and suffering. Without seeing the medical records it is impossible to put a number on the pain and suffering. The amount will depend on the treatment and the amount of insurance available. I would call a Kentucky attorney that concentrates in car accidents and wrongful death before speaking with the insurance company to make sure you understand your rights and don't sign away any of your rights.

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  • Do I need a lawyer for a car accident with no insurance?

    I was driving and the other driver ran a red light and there was a collision. There was minimal damage to both cars but I broke my hand. She doesnt think she is responsible for damages.

    Michael’s Answer

    If the other driver is disputing liability you should call an attorney to investigate the case. I am not sure whether you had no insurance or the other driver had no insurance as there will be different issues that you will have to deal with depending on the answer to this question. The main issue that needs to be resolved immediately is liability. That is who was at fault. Until this is determined there will be no chance of payment for pain and suffering. I would suggest that you contact a Kentucky accident attorney that concentrates in car accident cases as soon as possible.

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  • My daughter had an accident and police never took her statement no one investigated accident i was sent letter their not coverin

    there was errors on police report i have video of scene they never looked at any of it

    Michael’s Answer

    I agree with the other posts that more information is needed to properly answer this question. That being said it looks like you are saying that the insurance company is denying coverage. Contact them and find out why. Also, get the accident report and see what the police officer states on it. Once you have this information it will be easier for an experienced personal injury attorney in your area to answer your question.

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