If you’ve been involved in an car or truck accident in Kentucky and receive injuries, there are multiple sources for payment of your medical bills. The first and most likely resource is basic reparations benefits, better known as PIP. Each Kentucky insurance company that writes insurance in the state must make available $10,000.00 in PIP benefits to its insureds. If you are injured in an accident involving a car or truck, you are entitled to up to $10,000.00 for reasonable and necessary medical bills.
You can also purchase additional coverage, called additional or added reparations benefits (ARB’s). These benefits provide coverage for medical bills and other economic losses in excess of the $10,000.00 in standard PIP. Once the $10,000.00 is spent, medical providers bill the additional coverage.
If you are a pedestrian, you are entitled to PIP from the car or truck that hit you. If you are a passenger, you’re entitled to PIP from the driver’s insurance. If the driver doesn’t have insurance, you can get PIP under your own car or truck policy. If you don’t have a car insurance, you can get PIP from the Assigned Claims Plan, but you must qualify first.
You can also use private health insurance, public health insurance, such as Medicare or Medicaid, or private pay to get the treatment you need. Those companies will often reserve the right to recover their payments from any proceeds you get from a lawsuit. If you don’t have health insurance, many medical providers will offer treatment conditioned on being paid from any money you recover in a lawsuit.
Like lost wages medical expenses above the $10,000.00 in PIP are recoverable against the person at fault. Often it is your obligation to repay any private or public health insurance company out of your settlement proceeds.
Remember, if you’ve incurred medical bills in excess of PIP, will need future medical bills paid, or will suffer long term impairment from your injuries, you should consider retaining a qualified accident attorney to help resolve excess medical bills and liens.