Kentucky Has One of the Worst US Accidental Death Rates

Accidents are a leading cause of death in Kentucky. Though many are the victims’ fault, there are accidents caused by others that could be the basis of a wrongful death case. These cases can provide compensation and accountability for a victim’s next of kin.

Satterley & Kelley, PLLC’s team of compassionate attorneys understands the stress and grief you’re going through. We will be sensitive to your situation as we help you hold negligent parties accountable for your loved one’s death. Call our Louisville office toll-free at 855-385-9532.

What is a Wrongful Death Case?

A wrongful death case can be brought against a party who played a role in causing a family member’s death. They may have intentionally or negligently injured them, and that injury leads to their death, which may result weeks or months later.

The person filing a wrongful death claim is the executor or administrator of the deceased’s estate. The proceeds go to their next of kin, as described by state statute.

After an estate retains us, we will thoroughly investigate what led to the person’s death and who may be responsible. Based on the evidence we find and applicable Kentucky law, we may file a negligence claim against those who caused the death.

A negligence claim would require the estate, the plaintiff, the party filing the legal claim to establish by a preponderance of the evidence (it’s more likely than not what you allege is true) the following:

  • Because of the relationship between the deceased and the defendant (the party sued), they owed the deceased a legal obligation or duty to do or not do something given the circumstances
  • The defendant failed that obligation or breached that duty
  • That failure or breach is the factual and legal (or proximate) cause of the accident
  • The accident caused an injury that led to the person’s death
  • Under Kentucky law, the defendant must pay the estate damages (a measurement of the family’s injury in dollars)

Some of these elements could be more or less difficult to prove, depending on the evidence we find.

How Common are Fatal Accidents in Kentucky?

Accidents are the third leading cause of death after heart disease and cancer as of 2022, according to the federal Centers for Disease Control and Prevention (CDC). Kentucky had 91.5 accidental deaths that year for every 100,000 people who live here, totaling 4,193 fatalities.

That rates us as having the fifth highest accidental death rate of the 50 states plus the District of Columbia. The state with the lowest number is Hawaii, whose accident death rate is less than half of Kentucky’s (40.9). The state with the worst rate is West Virginia at 121.6.

What are the Most Common Fatal Accidents in Kentucky?

Many of the most common causes of death could be related to another party’s negligence or intentional act. Data from 2018, according to the Kentucky Injury Prevention and Research Center at the University of Kentucky College of Public Health, show the following overall percentages for the state’s fatal accidents:

  1. Poisoning 34% (1,319)
  2. Firearm 19% (719)
  3. Motor vehicle accidents 16% (626)
  4. Fall 8% (316)
  5. Suffocation 7% (288)
  6. Not specified 6% (215)
  7. Other 5% (182)
  8. Fire 2% (74)
  9. Drowning 1% (56)
  10. Cuts or piercing 1% (46)

The most common causes of accident death vary by age group:

  • For those up to 24 years old, the top cause of accident death is motor vehicle accidents
  • From 25 to 64 years old, the most common is poisoning
  • Falls are the top accidental fatality cause for those 65 and older
  • Motor vehicle accidents are the second most common unintentional cause of death for residents 25 to 64 years old
  • Firearm accidents are the third leading cause of accident death for those 12 to 64 years old

More Kentuckians died of accidental causes in 2022 than the number of lives lost by strokes and diabetes combined.

How Can Negligence or Intentional Acts Play a Role in These Deaths?

Many things can go wrong and lead to an accidental death:

  • A poisoning may be caused by something that was mislabeled
  • A person can be accidentally or intentionally shot by another
  • Multiple parties could cause a motor vehicle accident
  • Slippery or uneven surfaces can lead to a fatal fall
  • Building fires can be accidentally started by faulty wiring
  • A child could drown in a swimming pool because they’re not supervised

A critical part of our job representing you is finding how and why your loved one died and who might have caused the accident.

Consult with a Kentucky Wrongful Death Attorney Near You

Satterley & Kelley PLLC attorneys have more than 30 years of experience advocating for families mourning the loss of loved ones. We will work diligently to help you recover the compensation you deserve, helping to ease your financial burden during a painful time.

If you’ve lost a loved one, we want to help you get justice. Speak with an attorney from our firm in a free initial consultation. Call our office in Louisville toll-free at 855-385-9532 or reach us online by using our website’s contact form.

‘Tis the Season for Slipping, Falling, and Getting Injured

Temperatures drop in the Fall and Winter, so what was just water earlier in the year could be ice and snow. Even if you’re careful where and how you walk outside, accidents can happen, and they may lead to severe injuries. The fact you slipped on ice and snow that you saw won’t end your claim, but it may reduce how much compensation you’ll receive.

Property owners owe visitors like you a duty of reasonable care, given the circumstances. When one doesn’t live up to that obligation, they may have committed negligence and be obligated to pay you compensation for your injuries and losses you sustained as a result.

What is Negligence?

Negligence is a legal theory that’s used in almost all personal injury lawsuits. The rest can involve injuries caused by intentional acts or product liability cases where neither negligence nor intent needs to be shown.

You, the plaintiff, the party filing the lawsuit, must prove negligence to establish by a preponderance of the evidence (it’s more likely than not) that the defendant (the party sued) committed negligence that caused your injury.

You’ll need to show:

  • There was a relationship between you and the defendant (you were a customer in their store).
  • They owed you a legal duty or obligation to act or not act given the situation
  • The defendant failed that obligation or breached that duty
  • That’s the factual and legal (or proximate) accident cause
  • The accident caused you harm
  • Under state law, the defendant must compensate you for your damages (which measure your harm in dollars)

Depending on the evidence, parts of your case may be more or less difficult to prove.

What is Comparative Negligence?

In Kentucky, you can negligently contribute to causing your accident and still collect compensation. Your jury would determine how much damages you should collect and then deduct your share of the blame. This is known as comparative negligence.

This has been the law in Kentucky since 1984. Before then, any negligence by a plaintiff that partially caused the accident would result in their case being dismissed. This is contributory negligence and applies to Alabama, Maryland, Virginia, and North Carolina cases.

Snow, Ice, and Slipping and Falling

Property owners should promptly remove snow and ice from their property to prevent injury to visitors or guests. If they don’t, an accident happens, and you’re injured, several issues could come up, including the following:

  • How much snow or ice accumulated at the time of the accident?
  • Did the property owner know about it?
  • If not, should they have known about it?
  • Was it common in the past for snow or ice to be present where the accident happened?
  • If steps were taken to clear the area, when did they happen, and how effective were they?
  • Did you see the snow and ice?
  • If not, why not?
  • If so, what precautions, if any, did you take to avoid falling?

Thanks to a 1968 state supreme court decision, if someone stepped into a “natural accumulation” of water, ice, or snow, slipped, fell, and were injured, they wouldn’t have a case. Kentucky law was that pedestrians were to blame for not seeing this “open and obvious” problem. That’s no longer the law.

Since comparative negligence applies, you still could have a case if you step into an “open and obvious” “natural accumulation” of water, snow, or ice, fall, and injure yourself. If the defendant is found at least partially liable, your share of the blame will be deducted from the recovery you seek.

Is the Property Owner Responsible for Your Fall?

A property owner could be found negligent in causing your accident in the following situations:

  • They knew of the problem but did little or nothing about it
  • It was a chronic, ongoing problem (like poor drainage in the area) that was never addressed
  • Prior, similar accidents happened in the past to others
  • They made an attempt at clearing the area, but it was poorly done and may have made the problem worse

If the defendant proactively tried to keep the area safe and made good faith efforts to repair what caused past accidents, they may not be responsible. Property owners aren’t automatically liable for slips and falls on their property.

Speak To a Kentucky Slip-And-Fall Accident Attorney Today

Satterley & Kelley, PLLC lawyers will fight for you to obtain the compensation you deserve due to your slip, fall, and injury. If you want to schedule a free initial consultation, call our Louisville office toll-free at 855-385-9532. You may also contact us online through our website’s contact form if it’s more convenient.

Mesothelioma at Ghent Powerhouse in Ghent, KY (Podcast)

In this episode, John Maher speaks with Paul Kelley, partner at Satterley & Kelley law firm, about asbestos exposure and mesothelioma cases linked to the Ghent Powerhouse, a major utility plant in Kentucky. Paul explains how asbestos was widely used in the powerhouse’s construction and maintenance processes, posing a risk for various workers over the years. He outlines the legal process for those diagnosed with mesothelioma or asbestosis due to work at Ghent and highlights the importance of prompt legal action. For more information on filing a claim, visit Satterley & Kelley at satterleylaw.com or call 855-385-9532.

John Maher: Hi, I am John Maher and I’m here today with Paul Kelly. Paul is a partner with the Kentucky personal injury law firm, Satterley & Kelley, which has over 45 years of collective experience in litigating mesothelioma and asbestos clamps. Today we’re talking about asbestos and mesothelioma at the Ghent Powerhouse. Welcome, Paul.

Paul Kelley: Hey, John. How are you doing today?

Maher: Good, thanks. How are you?

Kelley: Doing great, thank you.

About Ghent Powerhouse

Maher: So, Paul, tell me a little bit about the Ghent Powerhouse, where they’re located and what it is that they do.

Kelley: Sure. So, the Ghent Powerhouse is owned by Kentucky Utilities. It’s one of Kentucky’s major utility companies, particularly in this region. I’m in Louisville, Kentucky, and actually Louisville Gas & Electric is our power company here. But in some of the adjacent counties, as we head further north, Kentucky Utilities provides a lot of power.

And I believe today, KU and LG&E may be owned by the same company. In any event, Ghent is a powerhouse, and it opened in about 1973. They started building the powerhouse in 1970 or ’71. It has four units, and what that means is every unit contains a turbine and a boiler and a lot of other equipment that’s associated with it.

The boiler heats steam, provides steam to the turbine, and the turbine provides electricity to its customers. I’m not an engineer, it’s a very simplistic description, but that’s essentially what the powerhouse does. And the first unit opened in ’73, and then I believe another unit, they number them Ghent One, Two, Ghent Three, Ghent Four. So, I believe Ghent One was ’73, Ghent Two was probably around ’74-’75 Ghent Three in the later ’70s.

And then Ghent Four came up in the 1980s. The area it’s located is Carrollton, Kentucky, Carroll County. It’s probably 50 miles north of Louisville and about the same distance south of Cincinnati for those that are familiar with that. And my law firms had a lot of cases over the years involving the Ghent powerhouse.

Ghent Powerhouse and Asbestos Exposure

Maher: Yeah. So, talk a little bit about how the Ghent powerhouse is related to asbestos and mesothelioma clams.

Kelley: Well, it’s a powerhouse, and so we’ve talked a lot about powerhouses over the years. This one’s a little bit unique because of the timeframe in which it was built. So we know that Ghent One, which started construction in 1971, that’s an interesting timeframe because 1971, the latter part of 1971 is when OSHA came into effect, the Occupational Safety Health Act, and started regulating asbestos products. And so, a lot of things that were built, powerhouses, big industrial manufacturing plants prior to 1972 were virtually guaranteed to be built with asbestos containing materials.

The turbines were insulated with asbestos. All the piping that was connected to the turbines, as well as the piping that ran throughout the plant contained asbestos, the gaskets, the connected pipes contained asbestos. The boilers that were used to heat the steam, the fire brick and refractive material contained asbestos.

The valves were used that controlled steam moving from one location to the other, frequently those valves either were insulated over top of the valves and frequently they had what’s called packing that was located inside the valves, those contain asbestos. You had motors, a lot of motors in these kinds of facilities. Big motors, small motors that operated all kinds of equipment that contain asbestos. There were something called precipitators in the plant that contained asbestos.

And Ghent One was built and it was intended to be built with asbestos. We know that from working on prior cases, and we’ve seen the specifications. Well, Ghent Two is interesting because Ghent Two started construction sometime after 1973 when Ghent One came up and Ghent Two was supposed to be asbestos-free.

It was supposed to be. Because in 1972, OSHA imposed a limit on exposures to asbestos that people could have in the workplace. It was called a permissible exposure limit. Thermal insulation was one of the most common asbestos products that people were exposed to in the ’60s and ’70s before OSHA came into effect. And people received very high exposures from working with thermal insulation.

When OSHA came into effect and it put those permissible exposure limits into place, it was over. Everybody knew that there was no way that you could safely or nobody knew that you could work with asbestos within those limits. So, Ghent Two was supposed to be asbestos-free. We learned in a case about 15 years ago that they got a little impatient and they needed to get their powerhouse built.

And so, they chose to install asbestos even though the specifications called for non-asbestos materials to be used. So, Ghent Two has asbestos materials, probably not to the same extent that Ghent One does, but certainly it had asbestos thermal insulation all throughout the facility very similar to what Ghent One had.

Alternatives to Asbestos

Maher: And is that because the alternative to asbestos was just not available or was taking extra time to become available at that time? Or what was the reason why you said they got impatient and started installing asbestos anyway? What was sort of the understanding there?

Kelley: Yeah, it’s all about money. Time is money. And they had a timetable they wanted to get this project completed by. The non-asbestos materials for whatever reason were not available. And so, KU and the engineer and the general contractor, they all made a joint decision that we’re not going to wait. We’re going to install these asbestos materials. And that’s what they did. And it was all about money.

And it wasn’t necessarily that the asbestos was cheaper, it was available, and that’s why they chose to do it. They wanted to get Ghent Two going. They wanted to generate electricity, and it’s all about money. And quite frankly, that’s historically what we’ve seen. Whether it’s this powerhouse or another manufacturing plant or some other company, it was always about money. It was either a time-saving issue or it was a cost-saving issue.

How Were Ghent Powerhouse Employees Exposed to Asbestos?

Maher: Right. So, talk a little bit about how and when the employees at the Ghent Powerhouse were exposed to asbestos or could have been.

Kelley: Sure. So, I mean, there’s a lot of different crafts and trades that were exposed. Certainly during the construction of Ghent One and Ghent Two, when they built those units, it takes a lot of manpower and a lot of different crafts to build a powerhouse from carpenters to millwrights to pipe fitters, boilermakers, electricians, bricklayers. All of those crafts were exposed one way or the other. Insulators, of course, during the construction of the facility.

And it takes a long time. The thermal insulation is one of the last things that comes in. So, they’re getting really close to operating the plant at that point. And so, there’s a high likelihood that now KU employees are in the facility during the insulation process and some of those folks were exposed. We know that there were scores of engineers that were on site. We know that there were a lot of kind of white collar type people that were there during the construction phase for various reasons. And a lot of those people would be exposed to all of these products.

And then when you move forward, the turbines have to be overhauled every two or three years. They’re not a piece of equipment that they can go maintenance free for a long time. And when they did the overhauls, they took the asbestos off. So, the way that a turbine would be insulated with asbestos turbines are typically horizontal. And they could be 25 to 50 feet long or wide, and the outer shell would be covered either with what’s called a block insulation, where they kind of cut it and then they try to apply it and they put it on with mud and you have to cut the form.

And they’re not perfectly squared off pieces of equipment. So, there’s a lot of angles and nooks and grannies and things that you got to cover. And the purpose for it was to retain heat and also to protect people from touching the outer shell and being burned. Sometimes they used asbestos blankets, and so they would just cover, the blankets were a little more malleable, and they just put a bunch of blankets, dozens of blankets covering the outer shell.

So, when the turbines had to be overhauled, if it’s the blankets, you take the blankets off, put them off to the side, do the work, takes about eight weeks to do the overhaul, you put the blankets back on. Blankets are old, they’re dustier than all can be, but those blankets can absolutely be reused over and over and over again for years. Now, the block insulation typically couldn’t be reused because it had to be cut, torn off, destroyed.

Millwrights typically, and insulators tearing that insulation off, would receive massive exposure. They had to re-insulate. As the years progressed, I’m confident that they probably did start using non-asbestos, but for the first several years they re-insulated with asbestos-containing products. And so, you got to, again, cut it and mold and then they would apply some muds and cements over it. And those muds and cements originally came in a dry format and then they mixed them with water. And so, there’s exposure that way.

All the piping that’s connected, you have to take a lot of that off in order to do the work on the turbines themselves, the gaskets. So, people who overhauled these pieces of equipment, the same thing’s true for the boilers. They had to tear those out and they have to get in. These boilers are massive, I mean stories high, 5, 6, 7, 8 stories tall, and they have, I couldn’t even begin to say how much fire brick was in these things. And they have to tear all that out, all the piping and the tubing and everything associated with it, everything had to be torn out. And so, the boilermakers, the bricklayers, sometimes the millwrights, even the electricians, electricians had to deal with the wires and cables and the gauges and the electrical components.

And frequently, a long time ago, in the ’50s, ’60s, ’70s, a lot of big thick cable was insulated with asbestos. They had cut it off for the knife and they’d get exposure doing that. But again, they have four units and the reason why they have four units is so that they will always be able to produce electricity even when one of the other units or two of the other units are down. So even the people that are working in the plant that are actually operating the plant, they’re doing the work that generates the electricity.

Those folks had exposure during these overhaul operations. Back in those days, those days, meaning the ’70s and ’80s, they didn’t do what they were supposed to do. They were supposed to put up enclosures. They were supposed to have the people doing the work wearing special protective suits and respirators and masks and keep anybody that’s not essential to that operation out of the area.

Well, that didn’t happen very often until probably the mid-’80s and into the ’90s. So, if they’re not containing it, asbestos has this amazing quality of being drift. The fibers drift throughout an area. And studies have been shown that people that were hundreds of feet away when asbestos was disturbed would be exposed. So that’s what was happening in a power plant. And then certainly they had scores of maintenance people and maintenance people would have daily interaction with asbestos materials, maybe just not on widespread, let’s tear out five miles of pipe.

But if a pipe busted, they’d be the ones that would work on it. If a piece of equipment broke, they would be the ones that worked on it. So, I would say that that virtually everybody that worked in the Ghent Powerhouse from the time that was built, mid-’80s had certainly had exposure or high opportunity for exposure. And it didn’t matter whether you were an outside contractor or a Ghent employee.

Didn’t matter if you were an operator, didn’t matter if you were a high-level supervisor that had to spend a lot of time in the plant. Asbestos doesn’t care who you are, doesn’t care what you wear, doesn’t care what your job is, it just cares if you have lungs, have the ability to breathe.

Which Turbines Used Asbestos?

Maher: Right. So then in later years when the Ghent Three and Ghent Four turbines were created, did they not use asbestos in those? But of course, it wouldn’t matter if One and Two were still there with asbestos being used on those ones, you’re going to be exposed anyway, but the later ones were not?

Kelley: So, it’s my understanding Ghent Four absolutely did not. There may have been a few products in Ghent Three that were installed because they came several years earlier around the same time Ghent Two was put up. So, One and Two had substantial amounts, Three probably a little bit, and Four should be none. I’ve been working a lot of cases with respect to that facility. And so far, we haven’t seen any evidence of asbestos in Ghent Four.

What to Do if You Worked At Ghent Powerhouse And Have Been Diagnosed with Mesothelioma

Maher: Okay. So, if you worked at the Ghent Powerhouse and now you have mesothelioma or asbestosis or another lung disease like that, what should you do?

Kelley: So, you and your family have a lot of decisions to make. One decision, the most important decision, is how to proceed with your medical care. It’s a very tough diagnosis to get. There are various types of mesothelioma, which we don’t need to discuss today. There are various levels in terms of aggression of mesothelioma, and then of course there’s the staging aspect. And so, you and your family have a lot of decisions to make as to what kind of treatment you’ll get, where you will receive that treatment.

Will you stay in Kentucky? Will you go outside Kentucky? And certainly from a health standpoint, that’s the most important thing. But the problem is that unfortunately you don’t have a lot of time to determine your legal rights. And so, I think it’s important to start researching and try to identify and retain an attorney that can provide you with advice concerning what your legal rights and help determine whether you have a lawsuit against somebody for causing this disease.

If it’s the Ghent Powerhouse, I can most assuredly tell you that you do have a case. And it’s just a matter of finding out the particulars of your case and filing it and getting started. But it’s important to do that. There’s a lot of different reasons for it. Time is just of the essence. And I hate to tell people that you have this one big problem of dealing with your health and figuring out what you’re going to do to get treated, but you also have to fool around with trying to find the best lawyers for you.

And I wish that you had a lot of time to do that, but sadly, you do not. And so, it’s important to start researching your rights and consulting with somebody that can really tell you what your rights are, and most importantly help you obtain your right to compensation and right to justice.

How Much Time Do You Have To File a Mesothelioma Claim?

Maher: So, how much time do you have to file a mesothelioma claim, and why is it that working with an attorney like yourself in Kentucky can help to speed up that process?

Kelley: So, in Kentucky, we only have a year from the date that we know or should know that we’re injured and what the cause of the injury is. The first part’s easy. If you’re diagnosed with mesothelioma, you know you have a significant disease. But contrary to what some of my adversaries would say, if you have mesothelioma, it was caused by asbestos exposure, guaranteed.

If you worked at the Ghent Powerhouse for a long time, either as a direct employer or as a contractor, that’s what caused your disease. But you might not know that because it wasn’t advertised to the employees that worked there necessarily what they were being exposed to or how harmful it was. But as a rule of thumb, I never go, if somebody comes to me within a year from the diagnosis, we would never go beyond that year.

Technically speaking, you can file beyond the year of your diagnosis, and you may maintain your case, but now you’re leaving it in the hands of somebody else to make the determination as to whether you filed your case on time. And the law and statute of limitations in Kentucky is very harsh. I think most of our trial judges would love to be lenient and to err on the side of helping the victim out, but lots of times their hands are just tied and they can’t.

So that’s a huge reason in and of itself that a year goes by fast. And I think you and I are probably of the same age, and the older you get, the years go by really fast. So, it’ll go by fast, but there’s a more practical reason for wanting to get done or get this process started. And the statistics are not really on your side in terms of survival rate.

And I hate to say that, and certainly there’s outliers and I hope that anybody that might be listening or that would come to me would be an outlier. But the statistics say that most people will pass away within six months to 18 months from their diagnosis. And you want to be able to make the decisions on what happens with your case.

You want to be able to give a deposition, testify, tell the world what’s happened to you, tell the world how you were exposed, tell the world that you weren’t advised of the hazards that you were forced to work with at this facility. I hear so many compelling and heartbreaking stories about the impact of this cancer on people’s lives.

It’s devastating from going to a normal exercise three days a week, travel, spend time with my family, go to the kids or grandkids games, to doctor’s appointments, chemotherapy surgeries, shortness of breath. And I can tell that story so much better with you because I’m not telling it, you’re telling it. I’m just kind of the conduit for doing that. So, we want for every one of our clients to be able to have the opportunity to look at the jury and say what’s happened. Now, unfortunately, it may be two years before the case goes to trial. So the way we do that is we take a deposition and that deposition is conducted as if we were in front of the jury and the judge at trial, and you tell your story, say what’s happened.

The longer we wait, the less likelihood that you have to be able to tell your story whether your health gets poor, and you can’t do it. Sometimes there are impediments that we have to fight with our adversaries, or depending on what court you’re in. Sometimes there’s different procedures for doing all of that. So, time is of the essence in that regard. And so, one of the reasons why it’s important for you to go to an attorney that has experience with not only asbestos litigation because it is something that you just don’t do, you don’t dabble with. It’s highly specialized.

I’ve got 50 years of documents and materials in my database related to all kinds of places, including this particular powerhouse. And because time’s of the essence, you don’t want to hire somebody that has to spend any more time than necessary to file your claim. And there’s a very good likelihood that if you worked at the Ghent Powerhouse as a contractor in particular, you probably worked at a bunch of places. And there’s a very good chance you worked at a bunch of places that I have experience with.

But every now and again, we come to find some job sites that we’ve not had a ton of experience with. So, you want to be able to go to somebody that they can hit the ground running, that has a treasure trove of information already, might know out of the box a hundred percent of the defendants you’ll see, or 75% and you need to spend a little bit of time. Every case is unique. They don’t fit into a nice little box. But quite frankly, there’s very little at this point that we haven’t seen in Kentucky, very few job sites that we’re not familiar with and that we don’t know what to do with.

But that’s not always true. If you hire somebody out of state or hire somebody that might necessarily doesn’t do these kinds of cases, but they think that they want to because they’re really good attorneys in what they do and say, “This is just asbestos, I’ll figure this out.” It probably won’t work out that way. Because again, you don’t just dabble in this kind of law and you shouldn’t have to recreate the wheel when it’s already there. And that’s important and that’s why it’s important to do your research. And certainly you want somebody that you feel comfortable with and I would like to believe that you feel most comfortable with the attorneys that know what to do. And I think we know what to do. And with respect to this job site, the Ghent Powerhouse, we absolutely know what to do.

Maher: All right, well that’s really great information, Paul. Thanks again for speaking with me today.

Kelley: Thank you so much, John. I appreciate it.

About the Law Firm of Satterley & Kelley

Maher: And for more information about mesothelioma and asbestos exposure, you can visit the law firm of Satterley & Kelley at satterleylaw.com or call 855-385-9532.

Mesothelioma at Brown Williamson Tobacco Corporation in Louisville, KY (Podcast)

In this episode, John Maher interviews Paul Kelley, partner at Satterley & Kelley law firm, about asbestos exposure at the Brown & Williamson Tobacco Corporation, a former cigarette manufacturing facility in Louisville, Kentucky. Paul explains how asbestos was present in various parts of the plant, including boilers, pipes, and chemical tanks, leading to exposure for a wide range of employees from construction to maintenance. He discusses the health risks associated with asbestos, including mesothelioma, and highlights the legal options available for affected individuals. For those who worked at Brown & Williamson and have been diagnosed with mesothelioma, consulting with a qualified attorney is essential to pursue timely legal remedies. For more information, visit Satterley & Kelley at SatterleyLaw.com.

John Maher: Hi, I am John Maher and I’m here today with Paul Kelley. Paul is a partner with the Kentucky Personal injury law firm, Satterley & Kelley, which has over 45 years of collective experience in litigating mesothelioma and asbestos claims. Today we’re talking about asbestos and mesothelioma at the Brown & Williamson Tobacco Corporation.

Welcome, Paul.

Paul Kelley: Hey, John. How are you doing today?

Maher: I’m doing well. How are you?

Kelley: Doing great, thank you.

About Brown & Williamson

Maher: So, Paul, tell me a little bit about Brown & Williamson and where they’re located and what they do.

Kelley: Sure. I think everybody probably on some level knows Brown & Williamson. It was a big cigarette manufacturing company, I believe it’s been bought out by another big cigarette manufacturing company within the last several years. But for years and years and years, Brown & Williamson made dozens of brands of cigarettes that people are very familiar with.

I’m here in Kentucky, Kentucky was certainly the center of the universe for a long time with respect to the cigarette manufacturing business. We won’t talk about all of that today. But people might be familiar with the movie. I think of The Insider with Al Pacino years ago about a whistleblower that kind of blew the door off the cigarette industry.

Well, that was Brown & Williamson. And they were headquartered here in Louisville for a long time, 1920s into the late ’90s, I believe, maybe even a little bit later than that. And they had a big manufacturing plant here, and it was opened in the 1920s, it closed in 1982. For those that are familiar with my town, it was located on Hill and 16th Street, and it employed a lot of people for a lot of time.

And then again, the headquarters was here for a lot of years. And sometime in the early ’80s, they built a big office facility to house all of their executives. And as we’ll discuss here in a bit, both of those facilities, certainly the manufacturing plant contained asbestos materials and a lot of folks were exposed.

Brown & Williamson Tobacco Corporation and Asbestos Exposure

Maher: Okay. Yeah. So, talk a little bit more about that and how the Brown & Williamson Tobacco Corporation is related to this asbestos and mesothelioma claims.

Kelley: Sure. So, just briefly, I’ll talk about the headquarters. It was built in the ’80s. It was built at a time that kind of transitioning from asbestos to non-asbestos materials. But we’ve handled cases where people have discussed drywall and joint compound materials that contain asbestos, and the people, the drywall workers and installers were exposed to asbestos through the mixture of the joint compounds and sanding of the material. And then there certainly were some electrical components, wire, cable, those sort of things that were installed into that facility.

But primarily when we talk about Brown & Williamson, we’re talking about the manufacturing facility. And it was old, it was really old. It was built in the 1920s and it had many additions and renovations, and they would have different lines or brands of cigarettes that were manufactured there. And they had a lot of people that worked there to make these conversions occur for these renovations.

And so, what you had was miles of pipes that carried steam and hot water, hot applications that had a very high temperature rating up to approaching, not quite, but approaching 2000 degrees Fahrenheit. And so, all of those things were insulated with asbestos. You had conduit that carried hot or high temperature wiring cable, and those were insulated with asbestos. There were boilers, or at least one boiler that was in there that was insulated with asbestos. There were all these chemical tanks, giant tanks that contained hot chemicals, volatile chemicals that all contained outer shell of asbestos materials.

And then that was true from probably ’40s and ’50s until they closed the plant down in 1982. And I believe that it was completely torn down in 1986. And I’m confident that it’s still contained a high level of asbestos products even at that point in time.

Types of Employees Who May Have Asbestos Exposure

Maher: So, what were some of the types of employees at Brown & Williamson that may have been exposed to asbestos during their time when they were employed there?

Kelley: Most of the people that were exposed, of course, the people that put it all in, unknowingly put it all in. It’s a wide variety of crafts that do that work, pipe fitters and boiler makers and millwrights and electricians, insulators, of course, bricklayers to the extent that some of these boilers and tanks had firebreak and refractive material. So, everybody that’s involved in the construction aspect of the facility, and in particular any renovations and additions that occurred.

And then moving forward, they had maintenance staff. And the maintenance mechanics conducted a lot of repairs on a lot of the equipment, a lot of the piping and the tanks and the boilers and all of that. And anytime they had to make repairs, they got involved in asbestos, whether it was tearing something out, putting something new in, being by someone else when they were tearing it out.

These pipes came in all different sizes, significant diameter, small diameter, but they’re all covered, completely wrapped. Some of these tanks are relatively small, the size of a little box, and some were 6 feet tall and 12 feet wide, and it had a lot of insulation that was associated with it. So, a lot of the maintenance people.

As the years progressed, a lot of that pipe insulation became very deteriorated. And it can only last so long and it would last for a long time. But we’ve had descriptions of insulation falling down on the production workers. So, they shouldn’t have had anything to do with any asbestos insulation because they’re manufacturing cigarettes operating those machines. But if you’re in an open environment and things are falling on you because it’s deteriorated, lands on the floor, lands on your machine, there’s exposure. One of the devastating impacts of asbestos is it’s insidious.

When it’s there, it’s there. Unless there is a effort, a substantial, costly, responsible effort to remove asbestos, it doesn’t just disappear into the air, it just moves. And so if asbestos settles down on a piece of equipment, the only thing that’s going to happen is it’s going to get stirred up and it’s going to move from place to place. We hear all the time that they would use compressed air to clean up their workstations or any things that spilled, any debris.

And anytime you’re using compressed air or even a burning, you’re moving around. If you’ve got fans, these places were hot, very hot. And so, you got fans that are blowing and it’s just moving the dust back and forth. And we learned in the ’40s, ’50s, ’60s, the equipment and capability existed to remove asbestos and to keep it clean, but nobody did it. I’ve not seen any evidence that anybody came in and took any concerted effort to really clean asbestos.

So, the point I’m getting at is, is that unfortunately because it was there and because there were many situations where it was removed for a specific purpose, not abated or completely removed, but torn out to conduct some work, deteriorated, it’s there. And because it’s there, if you worked in the plant, you breathed asbestos. It’s a fact. And so, I think everybody that worked there, including just the operators, the people that shouldn’t have had anything to do with any asbestos, they were exposed to, and I think that’s true until they closed the plant down and finally tore it down. I’m sure that they probably had to get many permits from our local government to remove the asbestos before they could even tear it down.

What to Do if You’ve Been Diagnosed with Mesothelioma

Maher: Right. So, if you worked at the Brown & Williamson Tobacco Corporation, and now you have mesothelioma or asbestosis, what should you do next?

Kelley: So, there’s a couple of different things. Asbestos or mesothelioma in particular, which is what we’re primarily talking about, it’s a fatal disease for virtually everyone. The statistics are not very good in terms of survival rate, but that hasn’t been said. The treatments are better today, much better. And that’s obviously not my job, is to tell people medically what they should do. But there’s a lot of information, there’s a lot of resources out there, and there’s a lot of different ways that you can proceed.

And so, it’s very important for you and your family to consider all options and make the best health plan for you. And that health plan may be right here in Kentucky, or it may be in another place. You’re in Massachusetts, Brigham and Women Hospital in Boston is well known to treat people for mesothelioma, and they’ve got a lot of cutting-edge treatments there. The same is true for Houston, New York, Chicago.

But people have to work with their families and their doctors to figure out the best way to proceed. And there’s no question that really the only thing that’s truly important is your health and determining that. Unfortunately, you have to determine what legal rights you may have. And if you worked at this plant, I think there’s definitely an opportunity to recover compensation that will help you and your family in this difficult time of need.

But the law doesn’t wait for you. You have a relatively short period of time under Kentucky law to pursue a claim. We have what’s called a statute of limitations, and it’s a year from the date that you know or should know you’re injured and the cause of that injury to file your case. So, a year seems like a long time, it’s not. Particularly if it takes you two or three months to really start thinking about it.

So, it’s important to research and try to retain an attorney to help guide you and determine the best course of action for you and your family. And it’s of course, critically important to find somebody that you’re comfortable with, that you feel like is going to fight for you and to do the things that are necessary to help you and your family. And one way you do that is to find somebody that has experience with these places and this particular location, Brown & Williamson, we’ve handled a number of cases there and we know what was there.

And all we really need to do when you meet with us is to kind of figure out your situation. And so, I think it’s very important for you to consult with attorneys and hopefully retain somebody that you feel comfortable with fairly quickly. If you wait three, four, five, six months there’s just a lot of different reasons why that could be devastating on your ability to pursue a claim.

How Fast Can You File a Mesothelioma Claim

Maher: That said, you can file a claim fairly quickly, especially for a place like this where you already know a lot about them and where the asbestos was located and who supplied it and who installed it, things like that. You can move pretty quickly and file a claim, right?

Kelley: Yeah. I mean, we can definitely move quickly and file a claim. So that’s just one part of it. The other part is your ability to participate, and you may literally be the only person that can give a description of your exposure. There may be some coworkers out there, there may be some other people that have personal knowledge.

Your family can’t do it unless your family worked with you. I mean, they may know exactly what you did because you told them, but that’s what we call hearsay. So, the evidence of exposure has to come from the injured party or from a co-worker. And even when it’s coming from co-workers, they didn’t live exactly the same life that you live. They didn’t do exactly the same things that you did.

So, I want you to be able to tell your exposure, how it occurred, tell your story. And doing that early is going to be the best scenario. I mean, you may opt for a surgery that’s going to kind of put you out of commission for, gosh, three, four months. Your health may deteriorate to the point where you can’t give a deposition or you can’t give the time that you want. And so, getting a case filed early on and doing everything that we can do to get that process started is very, very important.

And I mean, again, we don’t want you to just be able to talk about your exposure, but we want you to be able to tell everybody, judge, jury, defense, lawyers, anybody that might take a look at your deposition in the future, you want to be able to tell those people how this has really impacted you, because that’s what this is all about. I mean, this isn’t a type of injury that is a nuisance or an annoyance. I mean, this is life-threatening and impactful. And so, we want for you to be able to have the opportunity to tell everybody how it’s impacted you.

So, we’ve got time, and I can certainly hit the ground running as soon as you come to me and tell me what your exposure is. But it’s better to talk to us within a month or so than six, seven, eight months down the road. It’s going to make it better for you to be able to put on the case that you want to put on and for you to participate in the case. Which, quite frankly, that’s really important for me that you are able to participate in your own case.

Maher: All right. Well, that’s really great information, Paul. Thanks again for speaking with me today.

Kelley: Thank you, John. I appreciate it.

Information About The Law Firm of Satterley & Kelley

Maher: And for more information about mesothelioma and asbestos exposure, visit the law firm of Satterley & Kelley at SatterleyLaw.com or call 855-385-9532.

Bile Duct Liver Cancer May Be Caused by Asbestos

If you have bile duct cancer and a history of asbestos exposure, the two may be connected. This type of cancer may be caused by asbestos fibers that work their way through the body and into the liver. This starts a long chain of events that can result in cancer tumors. Satterley and Kelley, PLLC helps people with asbestos-related diseases obtain fair compensation for the harm they suffer.

What is the Liver?

The liver is an essential organ and gland, according to the Cleveland Clinic. It’s about the size of a football, depending on your height and weight, and is the largest organ in the body.

It performs hundreds of functions necessary to sustain life. They include the following:

  • Removes harmful substances from blood
  • Removes old red blood cells
  • Creates bile, a fluid that helps us digest food
  • Metabolizes proteins, carbohydrates, and fats so they can be used
  • Regulates how much blood is in the body

The liver has two parts: the right and left lobes. Blood flows through the liver, which filters it, removing toxins and waste that leave the body in urine and feces. In the lobes are thousands of lobules, which are small lobes. They connect with many bile ducts, tubes transporting bile from the liver to the small intestine.

What is Asbestos?

Asbestos is the label for six naturally occurring minerals, according to the National Cancer Institute. They are fibers that may be separated into thin, strong threads used in thousands of products for centuries. Asbestos is resistant to heat, fire, chemicals, and electricity. Asbestos fibers are so tiny you may not see them and so light they can float through the air for a long time.

Why is Asbestos Dangerous?

You may encounter asbestos at work, in your community, or in your home. When asbestos-containing products are installed, removed, or disturbed, fibers are released into the air, where they can be inhaled or swallowed.

If that happens, the fibers can make their way into an organ or the lining of an organ, where they may become stuck. The immune system tries to destroy it, but the fiber will remain, and the cells that attack it will be destroyed. This leads to scarring, inflammation, and possibly, over decades, genetic mutations in nearby cells that result in cancer tumors, reports the National Cancer Institute.

Asbestos causes or increases the risk of cancers in the following organs or tissues:

Asbestos can also cause asbestosis, which is severe breathing difficulty caused by lung scarring due to asbestos.

What’s the Connection Between Bile Ducts, Cancer, and Asbestos?

Bile duct cancer (or intrahepatic cholangiocarcinoma (ICC)) is a rare cancer affecting the cholangiocytes (cells lining the bile duct). It’s the second most common liver cancer. It accounts for about 15% of all liver cancers, and those with it face a poor prognosis, reports Research Outreach.

ICC has several risk factors, but they’re unrelated to about half of ICC cases in the developed world. Asbestos fibers in bile ducts may be a factor in these cases.

Researchers found asbestos fibers in liver tissue in the 1970s. Researchers suggest fibers may get into the bloodstream and be delivered to all the organs, including the liver. It filters blood, so fibers may travel through and get stuck in the liver.  

Medical research reported in 2013 found that data covering about 155 Italian ICC patients revealed that those exposed to asbestos at work had an increased risk of ICC. Fifty-four study participants were previously exposed to asbestos, and all but two were exposed from the 1960s to the 1980s, a time when there was heavy asbestos use before the country banned it in 1992.

Research published in 2018 looked at the same issue but in patients in Iceland, Finland, Sweden, and Norway. Information about 15 million people covering 1960 to 1980 was reviewed. It was found that asbestos exposure caused an increased risk of ICC. It happened more often in men aged 60 and older. There can be a 30 to 40 year delay in cancer development, so they may have been exposed in their 20s and 30s.

Call Us Today for A Free Consultation

If you have bile duct cancer or another asbestos-related disease, you may be entitled to compensation. To talk about your situation and how Satterley & Kelley, PLLC can help, call our Louisville office toll-free at 855-385-9532 or complete our contact form to schedule a free initial consultation.

ATVs are Supposed to be Fun. Why Are They So Deadly?

All-terrain vehicles (ATV) are extremely popular, one to two passenger vehicles with oversized tires that allow you to go almost anywhere where there’s a trail or enough room to pass through. They also might put you into your grave. If you or a loved one is severely injured or killed while riding an ATV, negligence may be a cause, and you may be entitled to compensation.

You Need Not Go Far to Find Deadly ATV Accidents

A young girl died in an ATV accident in northern Kentucky in early September, according to WLWT. It occurred north of Jonesville, on the Owen and Grant County line.

She, her father, and another child were riding an ATV on a family farm when it rolled on a hill, killing the 8-year-old girl, Emma Haacke. Her father and sibling were injured and taken to hospitals after the accident.

A teen was killed in an ATV crash in Laurel County in June. Two teens were riding an ATV on a road, ran off it, and lost control. The other teen was injured and treated at a hospital, reports WYMT.

That month, two other juveniles were injured, one critically, after the ATV they were riding was struck by a car on KY 81. The ATV was rear-ended by the car at about 8:30 p.m. Police report the car driver braked to try to prevent hitting it, but it was dark, the ATV was unlit, and the driver didn’t see it in time.

Both juveniles were transported to a nearby hospital. After the accident, a 12-year-old was in critical condition, and a 13-year-old was in stable condition, according to the Owensboro Times.

What is an ATV?

There are four elements to an ATV, according to BoostATV. They are the following:

  • It has an engine powered by gasoline, diesel, or electricity. The rider does not power it like a bicycle 
  • It’s designed for off-road use and cannot legally be driven on roads in most of the US, Canada, and Australia. You can lawfully cross a road on an ATV in Kentucky but not otherwise ride on it
  • It uses four low-pressure or non-pneumatic (air pressure doesn’t help keep their shape) tires
  • The seat is straddled by the operator and a passenger (if it’s big enough). You sit on it like a bicycle, not on a seat as if you’re in a car 

ATVs can be used for recreation and outdoor work purposes. The US military uses many ATVs.

Why are ATVs Dangerous?

More than 700 people are killed, and 100,000 are injured riding ATVs in the US annually, according to the federal Consumer Product Safety Commission. More than 90% of the injuries involve children.

More than 3,000 children under the age of 16 were killed while riding ATVs from 1985 to 2015, reports the American Academy of Pediatrics. They estimate about a million kids went to hospital emergency departments due to ATV-related injuries during that time.

ATVs have a high center of gravity and a narrow track, which makes flipping over more likely. They may also be harder to control when off-road tires unevenly grab gravel or paved road surfaces.

ATVs are getting bigger and faster over time. This makes them more fun and thrilling to ride but increases the risk of traumatic and fatal injuries.

ATV use on roads is especially dangerous. The rider may accelerate to high speeds, which makes the loss of control, difficulty stopping, and a collision with a vehicle more likely. About 60% of ATV-related deaths occur on paved and unpaved public roadways.

What Injuries Could an ATV Accident Cause?

The most common ATV accident injuries are the following:

  • Bumps
  • Bruises
  • Cuts
  • Joint dislocations
  • Bone fractures
  • Concussions
  • Head injuries

More severe injuries happen due to the following:

  • Higher speed
  • What the ATV crashes into
  • What the rider lands on
  • Whether safety equipment, like a helmet, is used

ATV accidents can cause traumatic and possibly permanent or fatal injuries to the head, spine, chest, and abdomen.

Speak To an ATV Accident Attorney Today

If you or a loved one is seriously injured or killed in an ATV accident, the cause should be investigated. If you were a passenger, the driver may have been negligent. The ATV may not have been safely maintained or be dangerously defective.

Satterley & Kelley PLLC attorneys can help you investigate what happened and take legal action if necessary. We will protect your interests and ensure you get the compensation you deserve.

You can discuss your accident during a free initial consultation. Schedule one by calling our office in Louisville at 502-589-5600 (toll-free at 855-385-9532) or completing our contact form.

Getting a Second Opinion on Your Mesothelioma Diagnosis

Receiving a mesothelioma diagnosis can be incredibly overwhelming for patients and their families, and it can be hard to make heads or tails of what to do next. However, there’s one important step that’s often under-looked that should be utilized by all patients who have just been diagnosed with mesothelioma, or have been diagnosed with another condition but believe they may have mesothelioma: a second opinion. Seeking a second opinion from an experienced mesothelioma specialist is an essential tool for mesothelioma patients as they explore their options and plot their way forward. A fresh perspective—especially from a mesothelioma-trained oncologist—can make all the difference for those with mesothelioma, and can both provide more diagnostic information and open doors to different treatment options, clinical trials, and other services during a patient’s mesothelioma journey. In this article, we’ll explain the importance of getting a second opinion about mesothelioma, and the many potential benefits of doing so.

What is a second opinion?

Seeking a second opinion is a common and encouraged practice in modern medicine. After receiving a serious diagnosis like mesothelioma, patients should consult a second doctor—ideally, a mesothelioma specialist—to confirm, counter, and/or add information to the original diagnosis, prognosis, and treatment recommendations.

In some cases, a second opinion will simply confirm the diagnosis and not add any additional information, but can give patients and their families peace of mind that the initial diagnosis and treatment recommendations are correct. In other cases, seeking a second opinion may add information to an existing diagnosis and perspective to a suggested plan of treatment. In still other cases, second opinions may counter the original diagnosis, helping the patient and their family course correct and make fully informed choices.

When should I seek a second opinion about mesothelioma?

  • If you’ve been diagnosed with mesothelioma: If you have just been diagnosed with mesothelioma, it’s important to get a second opinion with an experienced mesothelioma specialist as soon as possible to confirm the diagnosis and add additional insight into potential treatments. Additionally, there is potential for a false positive misdiagnosis.
  • If you haven’t been diagnosed with mesothelioma, but suspect you have it: Mesothelioma is very frequently misdiagnosed at first. Since mesothelioma is a rare cancer with symptoms that are similar to other much more common cancers and related diseases, patients are frequently misdiagnosed with the more common conditions, especially if doctors do not have direct experience with mesothelioma cases. This is a significant problem for mesothelioma patients: according to a recent study, around 22.6% of pleural mesothelioma cases are initially misdiagnosed. Therefore, if you have been exposed to asbestos or believe you may have been but received a non-mesothelioma diagnosis, it’s important to ensure that you haven’t been misdiagnosed by seeking a second opinion with a mesothelioma specialist.

Importantly, the only way to accurately confirm a mesothelioma diagnosis is with a tissue biopsy. If your initial diagnosis did not include a tissue biopsy, it’s essential to seek a second opinion that includes a biopsy, ideally with a mesothelioma specialist.

Will my doctor be offended if I ask for a second opinion?

No, your doctor will not be offended if you get a second opinion, especially about something as serious and difficult to diagnose as mesothelioma. It is considered standard medical practice for mesothelioma patients to seek a second opinion. In fact, your doctor will probably encourage you to do so, and may even be able to refer you to a mesothelioma specialist.

What are the benefits of getting a second opinion about a mesothelioma diagnosis?

  • More information. Regardless of whether your second diagnosis confirms or conflicts with the first one, an additional consultation means more information about your condition. It may result in more accurate staging or classing of your mesothelioma, or a new diagnosis altogether. In any case, more information means you have a better understanding of your condition, which can open the door to different treatment options, improve prognosis, and increase your confidence in the path forward overall.
  • Access to specialists: Generally, people seeking a second opinion about mesothelioma go to a mesothelioma specialist. Specialist care can give those facing a mesothelioma diagnosis access to therapies, treatments, and approaches that non-specialists may not be familiar with, leading to improved prognosis overall.
  • Access to clinical trials: In addition to the other benefits of seeking a second opinion from a mesothelioma specialist, they may also know of clinical trials that may greatly benefit the patient, which they otherwise would not have known about had they not sought a second opinion.
  • Better prognosis and chances of survival: While each individual mesothelioma case will vary, seeking a second opinion from an experienced mesothelioma specialist is generally associated with better prognoses and outcomes.

How do I get a second opinion on a mesothelioma diagnosis?

If at all possible, it’s important to get your second opinion from a mesothelioma expert or specialist. At the bare minimum, your second opinion doctor should have some recent experience with mesothelioma diagnosis and treatment.

After receiving your mesothelioma diagnosis, you can ask your doctor for a referral to a mesothelioma specialist for a second opinion. Remember: there is no reason to feel guilty about this, as it is considered very standard practice in mesothelioma cases.

Alternatively, you can conduct your own research online about mesothelioma specialists that are accessible to you. You may have the best luck at a cancer center or university hospital, which is where most major mesothelioma specialists practice. You can also ask for recommendations from people you know.

Are you or a loved one looking for more information about mesothelioma? Call (855) 385-9532 to learn more.

Mesothelioma at American Standard, Inc (Podcast)

In this podcast episode, John Maher talks with Paul Kelley, a partner at Satterley & Kelley law firm, about asbestos exposure at American Standard, Inc., a former Louisville-based plant producing HVAC systems and plumbing fixtures. Paul discusses how asbestos materials used in the plant posed health risks, particularly for workers involved in plant maintenance, construction, and production. The conversation also covers secondary exposure, affecting families through asbestos fibers brought home on workers’ clothing. For those impacted by asbestos-related illnesses like mesothelioma, Paul outlines the importance of prompt medical care and seeking legal counsel to secure compensation. For more information, visit Satterley & Kelley at SatterleyLaw.com.

John Maher: Hi, I am John Maher and I’m here today with Paul Kelley. Paul is a partner with the Kentucky personal injury law firm, Satterley & Kelley, which has over 45 years of collective experience in litigating mesothelioma and asbestos claims. Welcome, Paul.

Paul Kelley: Hey, John. How you doing today?

About American Standard

Maher: Good. Thanks. So, Paul, today we’re talking about mesothelioma and asbestos at American Standard, Inc. in Louisville, Kentucky. Can you tell me a little bit about American Standard and what they do?

Kelley: Sure. I mean, everybody probably is a little familiar with American Standard. You probably have several of their products in your home. Historically, it made HVAC systems, made a lot of plumbing fixtures from bathtubs, sinks, toilets, things of that nature. Here in Louisville for a long, long time, American Standard had an enamel plant that essentially made plumbing fixtures, big bathtubs, sinks, but primarily those types of products.

The plant here in Louisville actually opened even before American Standard actually owned it. Another company originally built the facility in the 1890s, and American Standard came into possession of it in 1927 or ’28, I believe, and operated the plant until 1992 when it closed down. For those that are familiar with Louisville, it was located on South Seventh Street, so not too far off the beaten path downtown, and it employed a lot of people for a lot of time, but as we’ll talk about here in a minute, unfortunately, there was a lot of asbestos products there and a lot of people were exposed to those products too.

American Standard and Asbestos

Maher: Yeah. So, talk a little bit more about that and how American Standard is related to asbestos and mesothelioma cancer cases.

Kelley: Sure. So, two different ways. You know, certainly the plant itself had asbestos all over it. All of the steam lines or steam pipes, there was a boiler system in there that had asbestos located on it. There was a lot of conduit. There was a lot of duct work that was all loaded with asbestos products. Primarily thermal insulation, sometimes there would be some sort of cement or material that came in a dry mixture and mixed with water, and then kind of spackled over pipes and systems.

There was ceiling tile. There was floor tile. All of the piping or much of the piping had gaskets that contained asbestos. The flanges that connect the two pipes were connected with gaskets, and the gaskets contained asbestos. So, the plant itself had a lot of asbestos in it. And then things that they used to make or manufacture the bathtubs contained asbestos. There were probably dozens of various types of furnaces and ovens and kilns that were in that plant that were utilized to make the bathtubs.

It was an enamel plant, and so that required a lot of high temperature and all of these furnaces, all of these ovens, at one time or another, they had asbestos fire brick that was inside the furnaces. They had refractory material, which is something that kind of went in over the fire brick that also contained asbestos. They had, in some instances, asbestos that went on the outer shell of the furnaces because again, these temperature ranges were approaching 2,000 degrees Fahrenheit, if not higher, and then all the piping that was connected to these pieces of equipment all contained asbestos.

And for years and years and years from probably when asbestos products became widely used in the 1940s through probably the mid-seventies, even into the early eighties, all these products contained asbestos. And when the plant closed in 1992, to the extent that those furnaces and ovens were there and kilns and other equipment, many of them probably still contain asbestos. And I can assure you that the plant itself, while the piping and duct work and all that, much of that still would’ve contained asbestos even in 1992.

When Were American Standard Employees Exposed to Asbestos?

Maher: So how and when were employees of American Standard exposed to this asbestos that was in the plant?

Kelley: You know, certainly during, I wouldn’t say during the original construction of the plant. In the 1890s, asbestos was definitely a thing, but it wasn’t something that was commercially used that early. But when we start to move into the thirties, forties, and fifties, as there are plant additions, as there are renovations as just things generally improve and engineering got different, then asbestos starts becoming installed in all of these processes that we’ve talked about.

And, you know, they definitely would’ve had renovations in the facility. They definitely would’ve had to change out pipes and install new systems. And so, all the people that were involved in any sort of renovation, addition, construction projects that were at the facility would’ve had a very substantial exposure to asbestos. That’s going to include your millwrights. Millwrights typically worked a lot on high-end equipment, boilermakers to the extent that they had boilers in the facilities. You know, some of the boilermakers would work on the furnaces and ovens because that’s kind of in the same domain. Electricians, insulators, you know, insulators are the ones that put the insulation on.

Lots of times, a lot of these places, John, had just general laborers. I mean people that needed to come in and clean and hand over materials and just make sure that everything was going. And so, all those types of crafts definitely had exposure or certainly a high opportunity for exposure. And then these ovens and furnaces, they don’t get installed and then just work perfectly for 50 years. They have to have a lot of maintenance and they have to be overhauled so often.

So, it was very common every three or four years for each piece of equipment to get overhauled. And when that occurred, typically millwrights or maybe the boilermakers would come in, they would tear everything down. They would tear everything out from the inside. They would tear everything down from the outside. They would reconnect wires, cables, install, make sure everything’s good, and then they put it all back online. And again, frequently insulators would be involved. Brick layers were the craft that typically put the fire brick and the refractory material in. So, all those kinds of people would certainly have exposure to these products.

But, you know, again, the plants in operation when this is occurring. You know, they didn’t shut the plant down so that they could overhaul all the pieces of equipment. It would be let’s do one or two at a time and everything else will be in operation and we’ll continue to work and do our job. And so, a lot of people that were in the manufacturing process, in the plant operation side, they still were exposed to some of these materials when all of this work was being done because it was right there.

It was right next to them when they were working. American Standard, just like most manufacturing plants, they had a big maintenance staff. And so, there were a lot of people that were involved in in maintenance in the building. You know, if a pipe went out, sometimes it would be so significant they would call outside contractors, pipe fitters to do the work, but frequently they’re maintenance staff did that kind of work. And if they need to work on a pipe, they had to tear off the insulation to do that.

They had to tear out the gaskets to do that. If they needed to do any work on kind of the office operations, I mean, frequently there was drywall and a lot of that drywall contained joint compounds. Joint compounds contained asbestos for a long time and people would be exposed to those sort of things. So it’s hard to speak in absolutes, but I would say that virtually everybody that spent any appreciable period of time in that plant, either as an employee, an operations-side employee for American Standard, or as an outside contractor that did a lot of the construction, renovation, or overhauls, I would say that virtually all those people were exposed to high levels of asbestos one time or another pretty much throughout the history of the plant.

Secondary Exposure to Asbestos

Maher: Right. And then there can be secondary exposure to asbestos as well. Right? If these people were exposed to the asbestos and maybe they get those fibers on their clothes or something and then they end up bringing it home and now their families have been exposed and things like that too. Right?

Kelley: Sure. I mean, that’s one of the most devastating things that I’ve learned in my 23 years of handling asbestos cases is that there’s a group of spouses and children who suffer, no occupational exposure asbestos themselves, but they experienced exposure from handling or coming into contact with the clothing of their husband, their wife, you know, or their parent.

And then years later, they developed mesothelioma and nobody really, really understood why until folks like us took a detailed history and said, well, guys, your father worked at an American Standard for 35 years. What’d he do? Well, he was a bricklayer. Oh. Well, that’s where the exposure was. And so unfortunately, that happened a lot. And it also would happen to people who might’ve not really been a physical or manual laborer the facility at all.

I mean, you had supervisors, you had engineers, you know, kind of what we historically would call the white collar office workers. But if they spent time in the plant, they were still exposed to those materials. And what we’ve learned over the years, what science has really, really determined and concluded, you know, credibly concluded that it doesn’t take a significant amount of asbestos to cause mesothelioma.

And so, these people had massive exposures, the people that worked there. The people that did the hands-on work had massive exposures, but there definitely was a category of people who didn’t have those same kinds of exposures that still had and continue to have, if they’re alive, a significant risk of contracting this disease.

What Should Former American Standard Employees with Mesothelioma Do?

Maher: Right. So, if you worked at American Standard, whether you were a full-time employee there or whether you were hired as a contractor to do the maintenance or something like that and now you have mesothelioma, what should you do?

Kelley: So, you know, mesothelioma is a very difficult diagnosis to get. Unfortunately, the statistics show that the average person will pass away somewhere within six to 18 months from their diagnosis, even with better treatments those averages still exist today, and they were the same 20 years ago. So, it’s really important for people to obviously figure out the best approach for them to deal with their medical care.

Depending on where you are, you know, Louisville, Kentucky, where I practice, there’s a lot of great physicians here and a lot of great treatment opportunities, but we don’t have everything here. And sometimes it’s better for people to go to New York or Boston, Chicago, Houston, you know, the hospitals and physicians that specialize in this treatment or in treatment of this disease. And that’s personal to every person and their family. Unfortunately, to the extent that you want to seek a legal remedy for what’s happened, we don’t have a lot of time to do that.

And in Kentucky, where I’m at, we only have a year from the date that we know or should know what our injury is and what caused that injury to file a lawsuit. So, while it’s of course much more important for you to determine medically how you should proceed and decide that with your family, you still have to work diligently to figure out what your legal rights are, and you should start looking for an attorney immediately. And it’s important, I believe, to find someone who not only has a lot of experience handling asbestos cases but has a lot of experience handling asbestos cases where you’re located or at least has experience with the locations where you work.

 I do work all over the country. I’m extremely familiar with dozens if not hundreds of sites in Kentucky. We’re familiar with sites all over the United States, but this particular site that we’re talking about today, American Standard, we have a lot of experience with, and I don’t have to do a lot of investigation.

If you come to me and say, you know, I worked at American Standard for 30 years, or I was a contractor and spent three years working there, I fairly well know what the universal products that you’re exposed to. So, it’s important to determine what your legal rights are. And unfortunately, we can’t waste time. And there’s a lot of different reasons that statute of limitations is ever present. But also from a practical standpoint, I wish I could tell everybody, look, you’re going to live for a long time and we’re going to let the process play out, and we’ll have plenty of time to work up your case and we’ll get it worked up. We’ll get to trial. We’ll get a great result, and everybody will be happy.

Sadly, that’s not the reality. The reality is that in six months or a year, you may not be able to participate the way that you can today. So, we want to get a case filed quickly. We want to be able to get your deposition in so that you can not just tell everybody what your exposure is, but tell everybody how it’s impacted you.

I mean, that’s really where it’s at. I can probably tell how you were exposed through numerous different ways, but telling the judge, the jury, defendants, you know, the world, how this cancer has had an impact on you, I can tell that story better with you than with anybody else. If you have coworkers, I mean, these exposures are going back sometimes 50, 60 years.

So, we need time, you need time to be able to track down those people. Memories don’t get better. Evidence gets lost. So unfortunately, you have this whole problem of dealing with your medical care and determining what’s best for you and your family. But on the other side, you probably have strong legal rights and you probably have a good opportunity to receive some compensation that will help you and your family in this time of need. But you have to diligently pursue that and locating and retaining lawyers that you’re comfortable with and that you know how to handle this litigation is critically important.

Maher: All right. Well that’s really great information, Paul. Thanks again for speaking with me today.

Kelley: Thanks so much, John. I appreciate it.

Information About Satterley & Kelley

Maher: And for more information about mesothelioma and asbestos exposure, visit the law firm of Satterley & Kelley at SatterleyLaw.com or call 855-385-9532.

Vehicle Insurance Rates are Increasing. Will There Be More Money to Pay Claims?

If you haven’t noticed, vehicle insurance rates are increasing. The insurance industry blames rising costs and new risks for higher premiums, but they also make substantial profits. One way to maintain insurance profits is to cut costs, including claims payments. Will increased rates and solid profits result in higher settlement offers? Don’t count on it.

Satterley & Kelley, PLLC represents people severely injured in vehicle accidents. Nearly all the recoveries our clients receive come from insurers. Their concerns about their bottom line can directly impact how much they will pay to settle a personal injury claim.

Vehicle Insurance Rates Climb Upward

Vehicle insurance premiums increased by an average of 26% this year, pushing the average cost for full coverage in the US to $2,543 annually. This is up from $1,771 two years ago, reports Live Insurance News. The average cost for full coverage in Kentucky is $2,616, according to Bankrate.

Factors cited for the increase include:

  • Prices of new and used vehicles continue to climb
  • Increased repair costs
  • More advanced technology in newer cars is more expensive to repair or replace
  • More post-pandemic traffic and accidents
  • More severe weather causing vehicle damage
  • Rising number of vehicle thefts

The federal Bureau of Labor Statistics states that overall annual inflation was 3.2%, but car insurance rates spiked nearly seven times that amount, or 20.6%. Premium increases are expected to continue because risky driving, the number of accidents, and the severity of harm caused by accidents are also predicted to increase.

Investors Gain from Policy Owners’ Financial Pain

The pain for auto-insurance customers is quickly becoming investors’ gain. Insurance giants’ shares and profits are hitting records, thanks partly to steep rate hikes.

Travelers, considered a bellwether for the property and casualty industry, earned a record $2.991 billion in 2023, with $1.626 billion coming in the last quarter of the year. This came after charging double-digit rate increases to businesses and individuals, reports the Wall Street Journal.

After a punishing 2023, insurers have a path to profitability for their auto policies, which runs through your bank account. Significant rate increases improve their revenue, and inflation that boosted replacement and repair costs is easing. Losses due to climate change-related extreme weather are a big, long-term unknown, but the short-term looks bright for insurers.

Insurers enjoy a one-way street when it comes to rate increases. If companies aren’t profitable enough, rates increase. When they are profitable, rates don’t go down. The vehicle insurance industry did well during the pandemic because fewer people drove, and claims dropped.

Another factor favoring insurers is that state regulators are open to approving rate increases. Last year, Allstate was approved for a 30% increase in California and a 15% boost in New York. According to Carinsurance.com, the average auto coverage increase approved in Kentucky in 2022 was 8.5%.

How Do Claims Impact Insurance Carrier Profitability?

Insurance companies mainly generate income through sales to customers. They sell insurance policies and receive premiums as payment. Insurance companies make a profit by ensuring their premiums are greater than the claims against their policies. This is known as underwriting profit. Insurance companies also receive income by investing their premiums, known as investment income.

Insurers can boost their underwriting profit by limiting their claims payments. They may discourage claims by making claimants go through additional bureaucratic hoops. They can also deny more claims, pay less for them, or a combination of these tactics.

Insurance companies can do this within limits. They must comply with the terms of the policy, which is a legal contract with the customers. They also need to follow federal and state insurance laws. If they consistently “lowball” claimants, they risk more lawsuits being filed, higher costs in defending them, and judgments against them could be far more than what the plaintiff would’ve accepted as a settlement.

An insurance company treating its policyholders illegally risks a bad faith lawsuit, which, if successful, could be very costly to the company in terms of a jury verdict and bad publicity.

Talk to a Louisville Car Accident Lawyer Near You

We are your boots on the ground if you’re seriously injured in a Kentucky accident. Call our Lousiville office at 502-589-5600 (toll-free at 855-385-9532) or complete our contact form to get started.