Owensboro, Kentucky
Hurt in a crash or accident in Owensboro? Forman & Associates represents injured people across Owensboro and Daviess County, from the first insurance call through a jury trial. Free consultation, and no fee unless we recover for you.
Owensboro is Kentucky’s fourth-largest city. It sits on the Ohio River across from Indiana, and I-165 now ties it directly to Bowling Green. If you’re searching for an Owensboro, KY personal injury lawyer, Forman & Associates Accident Injury Lawyers represents people injured in Owensboro and throughout Daviess County. Owensboro is about 109 road miles from our office at 1139 S. 4th St. in Louisville. We’ll meet you there or by video.
Daviess Circuit and District Courts sit in the Holbrook Judicial Center, 100 E. 2nd St., Owensboro, KY (Kentucky Court of Justice county listing).
Owensboro’s traffic runs on a ring of expressways. The US 60 bypass (the Wendell H. Ford Expressway) loops around the city, and I-165 (the former Natcher Parkway) ends at it on the southeast side. Two Ohio River bridges connect Owensboro with Indiana, so many crashes involve Indiana drivers. Indiana’s fault rule is harsher than Kentucky’s: under Indiana Code 34-51-2-6, an injured person who is more than 50% at fault recovers nothing. For a crash in Kentucky, though, Kentucky’s pure comparative fault rule generally applies.
When an Indiana driver causes a crash in Daviess County, their insurer may try to apply Indiana’s 51% bar. We hold them to Kentucky’s rules. If the at-fault driver carries low limits, your own underinsured motorist coverage may make up the difference. Commercial traffic between the river terminals, industrial sites and I-165 also puts trucks on Owensboro’s expressways. See our truck wreck page.
Kentucky's border with Indiana follows the Ohio River's 1792 low-water mark on the far bank, so a crash on most of a river bridge, or out on the water, usually happens in Kentucky and falls under Kentucky law and Kentucky courts. See our Ohio River bridge accident page.
Owensboro's two Ohio River crossings, the William H. Natcher Bridge on US 231 and the downtown Glover Cary Bridge, both carry Indiana commuters. Many Owensboro injury cases end up with an Indiana driver or insurer.
Source: Daviess County court listing (Kentucky Court of Justice).
Because Owensboro sits across the river from Indiana, it’s common for the other driver to carry an Indiana policy. Bring any letters or emails from that insurer, along with your own insurance card and the crash report number, when you meet with an Owensboro, KY personal injury lawyer. Records from Owensboro Health Regional Hospital and photos from the bypass, a bridge or Frederica Street help us understand what happened. If you have a dash camera, save the file before it’s recorded over.
Kentucky law requires a driver in a crash that injures anyone, or leaves a vehicle unable to be driven, to notify the police agency with jurisdiction right away (KRS 189.635). Depending on where it happens, an Owensboro crash may be worked by local police or the Daviess County Sheriff’s Office; on interstates and state highways it may be Kentucky State Police Post 16 (Henderson) (KSP post map). Get the report number before you leave.
In Daviess County, Kentucky’s PIP benefits pay your first bills (PIP explained). The suit against the driver at fault must be filed within two years of the crash or the last PIP payment, whichever is later (KRS 304.39-230).
Kentucky is a no-fault state. Your own auto policy’s personal injury protection (PIP) pays up to $10,000 in basic reparation benefits for medical bills and lost wages after an Owensboro car crash, in most cases no matter who caused it (KRS 304.39-020(2)). Most other injury claims in Owensboro, such as a fall in a store or a parking lot, have only one year (KRS 413.140).
More detail: what to do after a car accident, how PIP works, Kentucky's fault rule and the Kentucky statute of limitations.
For a crash in Kentucky, Kentucky law generally applies, including pure comparative fault rather than Indiana’s more-than-50% bar.
Usually in Daviess Circuit Court at the Holbrook Judicial Center, 100 E. 2nd St.
The state line runs along the river, so it depends on exactly where the crash happened. We confirm it from the police report and the responding agency.
Owensboro Health Regional Hospital is a verified Level III trauma center. The most severe injuries may be transferred, and we collect records from every facility.
Yes. Your PIP pays first in Kentucky regardless of fault. The rear driver’s liability coverage pays what PIP doesn’t.
We prepare every case for trial. That’s why Larry Forman has 50+ jury trials behind him.
Forman & Associates Accident Injury Lawyers, 1139 S. 4th St., Louisville, KY 40203. (502) 931-6788
