What Is Personal Injury Protection (PIP) Coverage?

personal injury protection coverage

Car insurance requirements vary from state to state. This can be confusing for drivers, however, it is vital for all drivers to have the required coverage in their state to avoid costly legal consequences. Understanding the types of coverage you need can help you prepare for a car accident. One of the types of insurance that drivers in Kansas are required to have on their car insurance policy is personal injury protection (PIP) coverage. The personal injury attorneys at Patterson Legal Group explain this type of insurance and it works after a car accident in Kansas.

What Is Personal Injury Protection (PIP) Coverage? 

Personal injury protection (PIP) coverage is also called no-fault insurance or no-fault insurance liability. This type of insurance coverage pays accident-related costs for you, your passengers, and your car. The policy will pay regardless of who was at fault for the accident up to a certain amount.

PIP coverage allows drivers involved in the accident to file a claim with their own respective insurance companies. Once fault is determined, reimbursements are made between insurance companies, and the policyholder gets the compensation.

Personal Injury Protection (PIP) in Kansas

Kansas is one of the twelve states where personal injury protection (PIP) coverage is required. State law mandates that every car insurance policy in the state must contain a minimum of $4500 in PIP coverage, which includes the following coverage: 

  • $4,500 for medical expenses per person. Policies with average amounts of $12,500, $27,500, or $50,000 may be purchased.
  • $900 per month for lost wages (up to a maximum of 12 months or $10,800 total).
  • $4,500 for rehabilitation expenses.
  • $25 per day for domestic help (up to a maximum of 365 days or $9,125).
  • $2,000 for funeral, burial, or cremation expenses.
  • Cost of treatment from hospitals, doctors, and other healthcare providers.
  • Costs related to medical supplies.
  • Costs related to household expenses (referred to as “essential services”).

Your car insurance company will send you the forms after reporting the accident. If you do not receive the proper paper, you will have to contact the insurance company and request one. Before your medical costs are reimbursed, you must submit a PIP application to your insurance provider. 

Unless you have used up all of your PIP coverage, your health insurance provider may deny paying any bills associated with your accident. After PIP has paid the entire amount, your vehicle insurance provider must notify your health insurance provider so that they may pay your costs. Your insurance company could sometimes anticipate being reimbursed if you make a full recovery.  

While personal injury protection (PIP) coverage is much easier to deal with than at-fault insurance, it can be a mistake to speak to your insurance provider without a personal injury attorney. 

Your case may be weakened by any statements you make to the insurance company regarding the accident. Additionally, the value of your claim may be impacted if you put off seeking medical care. To ensure you receive the settlement amount you deserve, it is best to hire a personal injury attorney. 

Contact Patterson Legal Group Today 

A personal injury attorney from Patterson Legal Group can help you receive compensation for your pain and suffering, lost wages, medical bills, and more after you’ve been injured in a car accident. We have experience handling insurance companies to get you the settlement you deserve. Our firm also has a track record of proven results and over 75 years of combined experience defending accident victims in Kansas, Missouri, and Oklahoma. With our “no win, no fee” policy, our clients do not pay unless we recover money on your behalf.

We are available 24 hours a day, 7 days a week. You can call us (888) 687-2400, use our LiveChat feature, or complete our secure contact form. Get in touch with us today to get started on your case.

The information on this blog is for informational purposes only. It is not meant to serve as legal advice for an individual case or situation. This information is not intended to create an attorney-client relationship nor does viewing this material constitute an attorney-client relationship.