Fraternal Order of Police · Louisville, KY
Hurt in the
line of duty?
An officer’s injuries don’t fit the ordinary comp box - a pursuit crash, an assault on a call, a foot chase that ends badly. The benefits are real but the paperwork is its own fight, and the driver who hit your cruiser is a separate case entirely.
01 · The problem
Duty benefits are one track. The at-fault party is another.
When you’re injured on duty, your department’s coverage and any line-of-duty benefits are the first track. They handle medical and a portion of wages - but, as with any comp system, they don’t make you whole and they don’t pay for pain.
If a civilian caused the injury - the driver who ran from a stop and totaled your cruiser, the property owner whose hazard you fell on, the manufacturer of failed equipment - that’s a separate third-party claim against them and their insurer.
Tony spent years on the insurance-defense side before he switched. He knows exactly how the carrier for that at-fault driver will try to minimize what happened to you - and how to take it apart.
02 · How we handle it
Step by step.
No mystery, no padding.
- 01
Document the duty injury
The incident and use-of-force reports, dash and body-cam, medical records, and the duty status paperwork - lined up so your benefits aren’t denied on a technicality.
- 02
Identify the at-fault party
The fleeing driver, the property owner, the equipment maker. We find who caused it and what insurance stands behind them.
- 03
Build the third-party case
Liability, the carrier’s coverage limits, and the full picture of your injuries - including the toll the job already takes.
- 04
Coordinate the benefits
Make sure the duty benefits and any third-party recovery work together instead of canceling each other out.
03 · Where it shows up
FOP -
five common injuries.
What we see most from officers - flag what fits your call.
- 01
Pursuit & cruiser crashes
A fleeing or careless driver totals the car around you. Often a clear third-party claim on top of duty benefits.
- 02
Assaults on a call
Injuries from a combative subject - with possible third-party exposure beyond the duty claim.
- 03
Foot-pursuit falls
Fences, stairs, uneven ground at speed. Knees, shoulders, and backs that need surgery.
- 04
Cumulative trauma
Years of the gear, the vehicle, and the physical demands. Backs, hips, and joints that wear out early.
- 05
Exposure & K-9
Hazardous-material exposure and on-duty K-9 incidents that carry their own claims.
Fraternal Order of Police · Louisville, KY
Injured on duty?
Talk to someone who knows the other side.
Bring your incident report and duty paperwork. We’ll explain your benefits and whether a third party owes you more - no charge for the conversation.