March 31 2010
How Are Medical Bills From Your Kentucky Auto Accident Paid?
Tagged Under : Basic Reparations Benefits, car accident, kentucky, medical bills, No-Fault, personal injury, Personal Injury Protection, PIP
Kentucky car accident victims always want to know how their medical bills are going to be paid. They have been in an accident, they’re injured, and they’re not able to work. Many people nowadays don’t have health insurance. The assumption that is made is “If I don’t have health insurance I will have to pay the medical bills for treatment from a car accident out of my own pocket”.
In Kentucky your own insurance company will pay those medical bills. You have what is called PIP benefits. This is short for Personal Injury Protection. You may also hear these benefits referred to as No-Fault Benefits or Basic Reparations Benefits. It’s something you pay for under your automobile insurance policy. The first $10,000.00 of your medical treatment will be paid for by your insurance company. You fill out a PIP application that is sent to you by your insurance company. This triggers the payment to your doctor automatically from that point on until those $10,000.00 of benefits are exhausted.
Once the PIP Benefits are exhausted you will send your medical bills to your health insurance company. Any additional treatment will be paid by your health insurance carrier. You are personally responsible for any co-pays or deductibles. Any money you pay out of your pocket should be reimbursed by the at-fault party’s insurance company at the time your personal injury case is settled.
You might be concerned that hey, why should my car insurance company pay for this if the accident wasn’t my fault? This is done so that you can immediately go to the doctor of your choice. Well at the end of the case they will get reimbursed by the at-fault party’s insurance company minus a $1,000.00 inner company deductible, so your insurance company will not be on the hook for those benefits.



