Personal Injury Protection Insurance: What Is It?
In Kansas, Personal injury protection coverage, often referred to as PIP or “no-fault” insurance, is required on all Kansas automobile insurance policies unless specifically disclaimed by the policy holder. Personal injury protection is designed to be paid without regard to “fault,” or in legal terms, legal liability. PIP is intended to ensure your medical needs can be taken care of when you’re injured in an auto accident. PIP is also called “no-fault insurance” because; by definition, a claimant’s, or insured’s, insurance premium should not increase due to a PIP claim.
PIP Insurance: What Does It Cover?
Personal Injury Protection coverage pays for your medical bills, lost wages and essential services up to the limit of your coverage regardless of who is at fault in your auto accident. PIP coverage pays for things like ER bills, hospital bills, x-rays, doctor bills, prescriptions, physical therapy, surgery, and additional items not strictly medical in nature. It will usually provide compensation for lost wages or for services you cannot perform due to injury such as house or yard care.
PIP Insurance: I Have Health Insurance, Why Do I Need PIP Too?
Most health insurance policies will cover expenses from auto accidents, but not always. Additionally, PIP must be exhausted before your health insurance will pay. Remember that your health insurance deductibles, co-pays and co-insurance amounts still apply and that PIP covers more than just medical expenses. It provides compensation for lost wages and other services you cannot perform when you’ve been injured. Personal injury protection can also provide coverage for your passengers while your health insurance will not.
After An Accident, What Do I Do?
We understand that any type of accident can be difficult to deal with. You should be focusing on recuperating from the physical injuries you’ve sustained and not worrying if the insurance company is treating you fairly. Let our skilled attorneys deal with the insurance company so you’ll have the peace of mind that you’ll receive the fair compensation you deserve.
If you’ve been injured in an auto accident, contact DeVaughn James Injury Lawyers. We will work hard to ensure you are treated fairly by the insurance company and that you receive a fair settlement for your injuries. Call 316-888-8888 (Wichita), 785-888-8888 (Topeka) or 816-999-9999 (Kansas City) for a free, no obligation consultation and case evaluation.
To learn more about Kansas Auto Insurance requirements:
https://insurance.ks.gov/documents/department/publications/auto-shoppers-guide.pdf