“What is Personal Injury Protection (PIP)?” is a Frequently Asked Question to Northern Kentucky Personal Injury Lawyers
Posted on Tuesday, May 27th, 2014 at 1:40 pm
Personal Injury Protection, or “PIP”, is a basic coverage that is required in Kentucky on all motor vehicles, with the exception of motorcycles. It generally provides up to $10,000 to each covered individual in an accident to be used for the purposes of paying for medical expenses, lost wages, and all other costs that resulted due to the accident (optional higher benefits and deductibles are available).
Who’s PIP is Used and How?
In most circumstances, the PIP is paid by the insurer of the vehicle in which the injured person was riding at the time of the accident. For example, if an insured motorist is in an accident while driving his insured vehicle, his insurance company will pay the PIP. It does not matter who was at fault in causing the accident. Additionally, if a vehicle strikes a pedestrian, the insurer of that vehicle will pay the PIP associated with the pedestrian’s accident related expenses.
What if there is no PIP?
In certain circumstances, an injured party will find that there is no PIP available. For example, this can occur in a situation where the injured party is uninsured and the owner of the vehicle does not have existing coverage for his vehicle. If a pedestrian is struck by an uninsured vehicle (where the owner of the vehicle failed to have insurance or the driver of the vehicle was uninsured), then his best option is to file a claim for basic PIP to the Kentucky Assigned Claims Plan. The KAC is a state fund which provides basic PIP benefits to those who meet the certain requirements listed under KRS 304.39-160 and 304.39-170. An example of someone who would not be entitled to apply to the KAC for PIP would be an injured driver who was uninsured at the time of the accident.
If you or someone you know has been in an automobile accident, have medical bills piling up, and are unsure of what your options are, do not hesitate to contact a Northern Kentucky Personal Injury Lawyer. Lawrence & Associates can help get you the benefits that you deserve!
Contact Us (859.371.5997) for a Free Consultation