Many Kentucky accident victims have suffered serious and life changing injuries from an automobile accidents, truck accidents or motorcycle accident. They come into my office looking for answers. They are concerned about the fact that they only have $10,000.00 in medical benefits available to them from their PIP Benefits (Personal Injury Protection) in their car insurance policy. If you’ve been in an accident and have a serious injury and are in need of surgery this may not be enough to cover the medical bills for treatment you receive for injuries suffered in the accident. It’s a real concern if you don’t have health insurance.
After an accident your options are limited if you don’t have health insurance. Unfortunately you can’t go back in time. You are forced to go to a free clinic or find a doctor who will agree to treat you or perform surgery on a promise to pay later. This just doesn’t happen very often.
You really must take action right now before you are even in a serious automobile accident in Kentucky. You must do something long before you even think about contacting a car accident attorney. One thing that you must do is ask your insurance agent to increase your PIP benefits. These additional benefits are called Added Reparations Benefits. You can increase your benefits to $20,000.00 per accident, $40,000.00 per accident, $50,000.00 and even more with many insurance companies.
You might think, well if I’m getting five times the benefits, I don’t want to pay five times the amount, but in many circumstances your premium will go up a relatively insignificant amount compared to the increased benefits you are getting. One of the most important things you can do right now to protect yourself and your family is contact your insurance agent and request additional medical benefits on your auto insurance policy. I would suggest that you call your insurance agent today to ask him how to go about this. You’ll be amazed at how little it will really cost you and the peace of mind you will have knowing you have protected your family should you be in a serous car accident.
