Kentucky law provides for the payment of PIP benefits when you’ve been injured in an auto, car or truck accident. This includes payment for lost wages up to a statutory amount. Proof of lost wages is submitted to your insurance carrier, who then pays you your lost wages.
However, there is no condition placed on the time these lost wages occur. So, while you might be unemployed at the time of the accident, you might still be entitled to lost wages if you’re prevented from working in the future because of your injuries.
In today’s economy it is likely that someone will be laid off or unemployed at the time they suffer injuries in a car accident. However, if they later accept employment or if they are hired back to their old job, they can recover lost wages if they are prevented from working because of their injuries. It makes no difference that they were laid off or unemployed at the time of the accident.
Make sure if you’re injured in an accident and suffer lost wages that you submit those lost wages to your insurance company for payment under the applicable PIP coverage. This includes lost wages inccured at a time or date after the accident.