The aftermath of an auto collision will likely leave you with questions about how to pay your medical bills. You should not have to worry that your injury expenses will burn a hole in your wallet. Fortunately, Kentucky drivers can explore multiple forms of compensation.
Depending on your situation, some or all of the following options should help you out when you need coverage for your injury treatment and recovery.
The insurance of the other driver
According to Nerdwallet, the insurance policy of an at-fault motorist supplies coverage for both damage to an automobile and for medical bills. However, this coverage only proceeds up to the policy limits of the insurer, so it is possible to still have some of your medical costs left over.
Personal injury protection
One of the benefits of living in Kentucky is the no-fault law of the state. Basically, this law requires all motor vehicles, except motorcycles, to have basic personal injury protection coverage. Under basic PIP coverage, your insurer would cover you up to $10,000 for the following:
- Medical costs
- Out-of-pocket expenses related to an injury
- Lost wages
If you have guest PIP coverage, your insurer may extend compensation to passengers in your vehicle who get hurt from the accident. State law also allows you to purchase PIP above the $10,000 limit to pay for more expensive costs.
Uninsured or underinsured coverage
Some motorists do not carry insurance at all, leaving you to rely on other sources. While your PIP is one option, you might also turn to your uninsured motorist coverage to help cover your bills. In the event the other driver lacks enough coverage to take care of your bills, you may have an underinsured motorist policy to make up the difference.
Keep in mind that only 20 states and Washington D.C. require drivers to have uninsured coverage, so you must specifically seek it out if you want it in Kentucky. With these options in mind, you can prepare yourself to reap financial assistance quickly if a collision should happen to you.