An accident can happen in a split second. The unexpected event can cause injuries and even death. To protection yourself in the event of an unexpected accident, it is important to have coverage for costly expenses that may incur. Personal Injury Protection (PIP) is a protection that covers medical bills, lost wages or other expenses (lawn repair, funeral costs, transport to medical appointments, etc.) accumulated after an accident that results in injury and is required by law in Kentucky.

What are the benefits of PIP? 

PIP claims pay for a majority of medical bills and a substantial amount of lost wages depending on your policy. It is a “no-fault” coverage, meaning who was at fault for the accident is irrelevant for you to collect your claim. Even if the accident was your fault, you could collect maximum benefits of your PIP claim. PIP also covers you if you are the driver, passenger, and anyone involved in the accident with you.

Where do I get PIP? 

Simply call your insurance agency to add PIP to your insurance premium. It is an extension of your insurance coverage.

Unlike insurance claims that can take time to be awarded, PIP is a no blame coverage that is quickly given to you after an accident. The only personnel you have to deal with to obtain your awarded coverage amount is your insurer. File your claim as soon as the accident happens.

How much PIP coverage do I need?

When deciding on an amount of PIP coverage, consider how much coverage you would need if an accident left you injured and you had to seek medical attention, are out of work for a substantial amount of time, and what funds your family would need while you are out of work. Making a list of all expenses is helpful to decide on the amount of coverage you need. Be sure to include details such as child care services, transport to a medical facility, and lawn repair needed if damaged by a car.

“Though it seems like the logical choice, do not buy the minimum protection. It is best to choose the highest insurance coverage you can afford,” says Mark Bryant, attorney at the Bryant Law Center.

Though PIP is more expensive than regular insurance plans, it covers more expenses if an accident leaves you with a hefty amount of medical bills and causes you to be away from your job.

“I also highly recommended adding Uninsured and Underinsured Motorists Coverage to your insurance premium. It is important to be covered in case you have a car accident with someone who has very little car insurance or none at all,” says Mark Bryant.

Offered in the following states:

Alaska, Alabama, Arkansas, Arizona, California, Colorado, Connecticut, Georgia, Idaho, Illinois, Indiana, Iowa, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Mexico, Nevada, North Carolina, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Virginia, Vermont, Washington, Wisconsin, West Virginia and Wyoming.

Required in the following states:

Washington D.C., Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah

The Bryant Law Center is led by accomplished attorney Mark Bryant. The team of dedicated trial lawyers and committed advocates for justice has decades of experience in the legal system. When you are facing legal problems, whether it is a personal injury, arrest or divorce the lawyer you hire could be the biggest decision of your life. When your future is at stake, for a free evaluation of your case contact lawteam@bryantpsc.com or call (270) 444-1422.