Attorney James Desmond, 502-609-7657

Attorney James Desmond, 502-609-7657 I am a Louisville personal injury attorney concentrating on car wreck claims in Kentucky and Indiana

1) My office is located near Brownsboro Road and the Gene Snyder interchange. I'm located in the Regus Offices in Brownboro Crossing Center, between Dairy Queen and Red Robin.

2) Sometimes, I can come and meet you at your home or a mutually convenient location.

3) My fee agreement is such that I charge 33.33% of what I recover if a lawsuit is not required. You don't owe me anything unless I reco

ver funds on your behalf. My unwritten policy is that for non-litigation cases, I will always make sure that my attorney's fee is less than the client's net settlement. Per the rules of the Kentucky Bar Association, I am required to inform you that Court costs and case expenses are the responsibility of the client.

Today we honor our service men and women. Happy Memorial Day from Rhe Desmond Law Office!
05/25/2026

Today we honor our service men and women.
Happy Memorial Day from Rhe Desmond Law Office!

05/14/2026

We talk a lot about The Desmond Difference, but here’s what it really is: being able to reach your attorney with the press of a single button. No answering services, no secretary’s, no one else but YOUR attorney picking up the phone when you call.

Get real answers for your questions by talking to Attorney Desmond himself.
Call The Desmond Law Office today, and experience The Desmond Difference!

05/05/2026

So I just finished listening to a seminar on the changes of Kentucky no-fault or PIP statute. I am updating pages to my website to explain those changes but, for now, here is a big piece of advice to you, the consumer, in regard to Kentucky car wrecks.

On your own automobile insurance policy, look at buying optional or additional no-fault coverage above the state minimum of $10,000. The reason being that if a medical provider accepts payment from a no-fault or PIP carrier, your car insurance, they are now going to be paid according to the reduced rate under the Kentucky Worker's Compensation fee schedule and they are not allowed to bill you for the balance. So if you are in a bad car wreck with a $50,000 hospital stay and you have $20,000 in no-fault benefits and under the WC fee schedule that 50k bill only totals 20k, the hospital is not allowed to collect the 30k difference from you. Yes, there are arguments against this if the hospital does not receive the full amount listed in the WC fee schedule but if they do receive the full amount under the WC fee schedule, it is a done deal with no way around it.

Think about it. This is a big tool in your favor, especially if you do not have health insurance to reduce a large E.R. bill. Optional PIP is pretty cheap too. I will blog more about this soon but for now, contact your insurance agent and investigate what optional PIP will cost you. I hope you don't have to use it but one of the most important things I can do for you as a personal injury lawyer is to minimize the amount of medical bills you owe; this extra coverage, now gives me big baseball bat to swing on this issue. Thank for listening and yes, hopefully you are never in a car wreck.

FOLLOWED MY OWN ADVICE. $30K IN OPTIONAL PIP COST ME $27 MORE FOR SIX MONTHS OF COVERAGE.

05/01/2026

Don’t try to fight a case on your own.
Call The Desmond Law Office today, where we are always on your side.

Experience The Desmond Difference!

03/22/2026

Understanding car accidents can be difficult, navigating them on your own can be even harder.
Hire an attorney that you know is in your corner.
Call The Desmond Law Office today, and experience The Desmond Difference.

03/20/2026

As an experienced attorney, I negotiate down your medical bills to put more money in your pocket.
Call The Desmond Law Office today, and see The Desmond Difference.

03/12/2026

Having an experienced attorney can make or break your case.
Call Attorney Desmond directly on his cell phone today, and feel The Desmond Difference.

03/10/2026

Don’t wait to contact an attorney, contact Desmond Law Office today and experience The Desmond Difference!

02/12/2026

Interesting facts sent to me by Upstream Rehab.

Whiplash is the most prevalent motor vehicle accident injury, affecting clients in approximately 4 million rear collisions annually in the U.S., with neck sprains or strains representing the most serious injury in one-third of all crash insurance claims.

Here's what you need to know:

Annual costs exceed $8 billion in insurance claims related to whiplash injuries
Symptoms often don't appear immediately due to adrenaline masking initial pain
Approximately 50% of patients report persistent neck pain one year post-injury, contradicting outdated assumptions about quick recovery
Whiplash Associated Disorders (WAD) are classified into five grades, with Grades 3-4 requiring physician clearance before physical therapy
Recovery is more prolonged and incomplete than previously believed, supporting stronger case valuations

01/13/2026

This was a first. Client has an uninsured motorist claim against an insurance company as client was a passenger in another person's vehicle that was hit by an uninsured vehicle . I don't believe my client's driver was at fault and that seems to be the consensus among al the parties. Nevertheless, there is an argument that her driver's negligence contributed to the car wreck. My client was badly injured so we may still look at this claim in the future. The interesting part was that for the first time ever, I had an adjuster send me a release that would have released both the uninsured motorist claim and the liability claim against the client's driver. I wish I could say this was an honest mistake but this is a good, experienced adjuster that I know understands the law. Bottom line is I am a little disappointed that the adjuster may have been trying to pull a fast one. For you the consumer, make sure you understand all the consequences of anything you are signing for an insurance carrier; especially when it comes to car wrecks.

12/04/2025

FYI, when the insurance company refers to a "deemer clause", for a Kentucky wreck, they are referring to the fact that the insurance policy will provide you with $10,000 of PIP or no-fault benefits, because the car wreck occured in Kentucky, even though the insurance policy for your vehicle was written in another State. So stated another way by Google, " Kentucky insurance law, a "deemer benefit" is a statutory provision that requires an insurer to provide certain benefits, such as Personal Injury Protection (PIP), even if the policy is from another state and doesn't initially include them. This means an out-of-state policy is "deemed" to have the coverage required by Kentucky law to protect the insured and others, like the mandatory no-fault PIP benefits. Kentucky drivers must have a No-Fault Rejection Form filed with the Department of Insurance to opt out of PIP coverage. "

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9850 Von Allmen Court, Ste. 201
Louisville, KY
40241

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