Covington, Kentucky
Hurt in a crash or accident in Covington? Forman & Associates represents injured people across Covington and Kenton County, from the first insurance call through a jury trial. Free consultation, and no fee unless we recover for you.
Covington looks straight across the Ohio River at downtown Cincinnati, and thousands of people cross between the two states every day. If you were hurt in a crash on a Covington bridge, on the Cut-in-the-Hill, or on a MainStrasse side street, a Covington, KY personal injury lawyer at Forman & Associates Accident Injury Lawyers can help. Covington is about 99 road miles from our office at 1139 S. 4th St. in Louisville, mostly on I-71. We’ll meet you in Northern Kentucky, at home or at the hospital, or by video.
Covington’s location creates a problem few Kentucky cities face: many crashes involve an Ohio driver with an Ohio insurance policy. Kentucky law generally governs a crash that happens in Kentucky. But an Ohio insurer may push Ohio-style arguments, and Ohio’s fault rule is stricter than Kentucky’s. Under Ohio Revised Code 2315.33, an injured person who is more than 50% at fault recovers nothing. In Kentucky, your recovery is only reduced. Covington is also one of Kenton County’s two county seats, along with Independence, so the main courts are right in town.
Kenton Circuit and District Courts are based at the Kenton County Justice Center, 230 Madison Ave., Covington, KY 41011 (Kentucky Court of Justice county listing). Claims over $5,000 belong in Circuit Court (KRS 24A.120).
Covington’s dense grid, river walk and bus stops put a lot of people on foot right next to traffic heading to and from the bridges. Pedestrians who are hit often suffer fractures and head injuries. Kentucky PIP can cover a pedestrian under their own auto policy, or under the striking car’s policy if they don’t have one. If a TANK bus was involved, notice rules and the transit authority’s insurance come into play. See our bicycle and pedestrian collision and bus wreck pages.
If an Ohio driver hit you in Covington, Kentucky’s rules normally still apply. That means PIP first (how Kentucky PIP works), a two-year deadline from the injury or the last PIP payment (KRS 304.39-230), and pure comparative fault rather than Ohio’s 51% bar. Don’t let an out-of-state adjuster tell you otherwise.
Bring whatever you have when you meet a Covington, KY personal injury lawyer: the report number from the officer who responded, photos from the bridge or street, and papers from St. Elizabeth or UC Medical Center. If you ride TANK, a transfer or fare receipt can help confirm the time and place. Missing pieces are normal, and we can track most of them down.
For a crash in Kentucky, Kentucky law generally governs fault and damages. That’s usually better for injured people than Ohio’s 51% bar under ORC 2315.33.
Usually in Kenton Circuit Court at the Kenton County Justice Center, 230 Madison Ave.
Often, yes. Kentucky PIP can cover pedestrians, through your own auto policy or the policy of the car that hit you.
It depends on where on the bridge the crash happened. The state line runs along the river, so we confirm the location from the police report and the responding agency.
No. The consultation is free, and there’s no attorney fee unless we recover money for you.
Talk with a trial lawyer, not a call center. Larry Forman has tried 50+ jury trials and is a Super Lawyers Rising Star 2016–2027.
Forman & Associates Accident Injury Lawyers, 1139 S. 4th St., Louisville, KY 40203. (502) 931-6788
