Should Kentucky car accident victims use their personal health insurance to pay their medical bills for the treatment they receive for injuries they sustained in an automobile accident?  This is a question frequently asked by clients.

·         Do I Give my health insurance card to my doctors?

·         Why should my car insurance pay for my medical bills from an automobile accident that wasn’t my fault?

·         Isn’t it the at-fault cars’ insurance company that should have to pay?

In other words should they use their health insurance to pay for their treatment from a car accident?  The answer is no and yes. Why No? Your first and primary insurance in a car accident in Kentucky is your Personal Injury Protection or PIP benefits.  Your own car insurance will pay the first $10,000.00 of medical bills for treatment from a car accident under most circumstances. 

The “yes” comes after this $10,000.00 amount is fully paid or exhausted. You can then use your health insurance. Your health insurance will pay the medical bills from this point on.  The confusing part and what some consider the bad part about this is there’s something called subrogation. Ninety percent of all health insurance plans require you to reimburse the health insurance carrier for anything they pay toward the treatment of injuries sustained in an automobile accident. Federal ERISA laws cover this area. It is a very specialized area of law and would require pages to fully explain. Your health insurance company generally entitled to reimbursement, and they can recover what was paid out under most circumstances.

If there is a requirement to pay your health insurance company why should use your health insurance to pay the bills from your car wreck case? The answer is twofold. One is to make sure that you get the treatment you need. The second is that they pay at a reduced rate, which ultimately saves you money. Realize that you will have to reimburse them out of the proceeds of your accident case, but only what is paid.

There are some good points for the Kentucky accident victim. When a health insurance company pays a bill they will pay the provider the agreed upon price for any treatment. In other words, they will pay only a portion of the charge. You only have to reimburse the health insurance company what they have paid, not the total amount of the bill. Usually this amount will be discounted even further at the time of payment by you.

You are also responsible to pay any co-pays or deductibles to the health care provider, unless you can work out other arrangements with your doctor. You will eventually be reimbursed but that may be several months or even years later when your accident case is settled.

The bottom line is you should use your health insurance to pay your medical bills once your PIP benefits have been exhausted. Your health insurance is secondary insurance. This allows you to get the treatment you need without being hassled by bill collectors for payment.

We all mourned the tragic truck accident in Hart County that was among the nations deadliest in the last 20 years.  The investigation is showing the cause of this accident is due to distracted driving by the truck driver. Kentucky has enacted a law that prohibits texting while driving. This activity would now be a ticketed fine in Kentucky.  Is this really a sufficient deterrent? Should we go as far as Utah and make this an offense that would be considered a murder or manslaughter?  I believe this is something that should be considered.  What is the best way to prevent distracted driving and driver fatigue?

Kentucky drivers and trucks do not get along.  Almost nine percent of the fatal crashes that occurred in 2008 involved trucks.  These figures are consistent with nationwide statistics. This is of even greater concern when you consider that only about 4.6 percent of state’s registered vehicles are trucks.  This disparity in the number of fatal accidents caused by trucks as opposed to smaller vehicles is attributed to the difference in size and weight between large trucks and cars. This is according to the Insurance Institute for Highway Safety. 

Not everyone believes that trucks are more dangerous.  The American Trucking Association contends that trucks don’t cause a disportionate share of the fatal accidents when you take into account the hours and miles that a truck driver will spend on the road in any given day or week.  It is contended that the safety record for trucks is better now than it has ever been.         

I feel safe in saying that the March 26 accident in Hart County will lead to changes in Kentucky’s laws and how they affect trucks.  When a company is fined or has a history of violations, I believe Kentucky needs to be more stringent in its penalties in allowing these trucks on our roads.  We all know these vehicles are more dangerous.  We just have to figure out a better way to monitor them. 

In that vein, a new federal regulation was implemented last month. This regulation requires trucking companies that repeatedly violate driver time limits to install electronic recorders in their trucks. These recorders will keep track of how long a driver spends behind the wheel of a tractor-trailer.  This should be an important tool in preventing trucking companies from manipulating the system and forcing their drivers to log longer hours than they should. 

Interestingly, these monitors are not required for all trucking companies, but only those flagged during on site compliance reviews.  Those flagged are a very small percentage of the trucking companies in the United States.  Should these monitors prove to be effective maybe they will eventually be required on all trucks. 

In hindsight, Hester, the owner of the truck involved in the Hart County accident, had numerous violations. These violations were not found as part of an on site review. Consequently, the new regulation would not have required Hester to place these devices in their trucks. 

Another recent change requires some truck drivers to use electronic on board recorders to replace their paper log books, which were easily forged.  Under the new rule, a carrier must use the device if a compliance review finds that they have violated hours of service rules more than ten percent of the time.  What amazes me is that it is projected that 5,700 interstate carriers will have to use the device after the first year.  This tells me that forging time logs runs rampant and it is a major cause of driver fatigue and fatal automobile accidents that occur.

I hope these rules will make it harder for trucking companies to violate the time requirements for their drivers behind the wheel.  This in turn will keep driver fatigue to a minimum, prevent truck accidents and help keep our Kentucky roads safe.

            Governor Steve Beshear signed the Cell Phone Text Messaging Bill into law in Kentucky on April 25, 2010. It is about time. I hope this bill will have its intended impact and prevent serious automobile accidents caused by inattentive or distracted drivers. 

Under the new law, any driver under the age of 18 is prohibited from using a cell phone in any manner while driving.  This applies to an instruction permit, intermediate license or a full operator’s license.  There is one and only one exception to this.  That is to summon medical help, law enforcement or a public safety agency in the case of an emergency. 

            There are also provisions that relate to ALL drivers. Anyone who is operating a motor vehicle cannot write, send or read a text-based communication such as text message, instant message or electronic mail while operating a motor vehicle.  My understanding is that there will be warnings issued on violations until January 1, 2011. 

The fine for a first offense is a mere $25.00. Second offenders on up are fined $50.00 plus court costs. These fines appear to be a mere slap on the wrist. What if a bicycle accident victim is seriously injured or killed by someone who is texting while driving? Is a $25.00 fine going to send a message and act as a deterrent? I would propose much harsher penalties, maybe even prison time and a charge of manslaughter in extreme circumstances. Texting while driving is said to be more dangerous then drunk driving. The penalties should at least be the same!

            Two weeks after the Cell Phone Text Messaging Bill was signed into law I was traveling down I-64.  Ironically I was near the Frankfort, where the bill was signed and debated.  I was passed by a driver who had a laptop computer wedged between the passenger seat and the dashboard. The computer faced him and he was typing as he passed me going well over the speed limit!  I had a “Did I really just see that?” moment.

We really need to use some common sense when we are driving a car.  I believe the Text Messaging Bill is a good start; however, I don’t believe the penalties are harsh enough to have a real impact. It didn’t faze my friend with the computer wedged in his front seat.  Inattentive driving can cause can cause severe consequences, such as brain injury, paralysis or even death. 

There are efforts nationally, such as Oprah Winfrey’s “No Phone Zone.” This is a push to get teenage drivers to enter into a contract abstaining from texting while driving or even using a cell phone in the car.  What a great idea! My 16-year-old daughter helped to get signatures and pledges at her high school.  Her class was able to get over 100 students to sign a contract or pledge not to use a cell phone while driving. 

This is a good start but as I said, Kentucky needs to go further with penalties and enforcement.  For now, we’ll take what we have and hope that all Kentuckians use common sense to prevent serious motor vehicle accidents and fatal accidents on our roads.

Kentucky car accident victims often have the question as to whether or not they’re going to be paid for the time they are unable to work as a result of the injuries they sustain in an automobile accident. That is whether or not they can collect their lost wages.  If the accident wasn’t their fault, the answer is yes, but that is a qualified yes. This would be the same answer even if the accident was their fault.

The first item I look at is what you can qualify for automatically. I will assume that you don’t have any disability benefits that you qualify for.  Under the Kentucky PIP law, you can collect 80 percent of your lost wages up to a maximum of $200.00 per week. This is what is called Basic Reparation Benefits.  I know $200.00 a week isn’t a lot of money.  It’s not going to pay for your mortgage.  It’s not going to pay for your car payment.  It’s not going to put groceries and food in your family’s mouths, but unfortunately that is what the law is in Kentucky if you have Basic Reparations Benefits. 

The remainder of your lost wages will be paid for at the end of the case by the at-fault insurance company. This is when your Kentucky car accident case is settled. Anything that is not paid by PIP will be paid or reimbursed at the end of the case. Unfortunately, this doesn’t do you a lot of good while you’re trying to pay your bills. 

The best advice that I can give you is if you have not been in an accident. This is preventative. There is nothing that can be done to change your insurance coverage after you have been in the accident to increase your benefits. Talk to your insurance agent and purchase what is called Added Reparations Benefits.  You may be able to raise that weekly lost-wage payment up to $1,000.00 a week with very little additional premium. 

You should also talk to your employer or an independent insurance agent about getting a disability policy that will pay for lost wages no matter how you’re injured; whether you’re in an automobile accident or injured falling at home. 

The Kentucky No-Fault Statute was not enacted as a disability policy for Kentucky automobile accident victims. It was only put in place to supplement your wage loss. The At-Fault party is responsible when the case is settled, but this can be years after the accident. Take matters into your own hands now so you are not wondering how you are going to pay your bills should you be injured in a car accident.