What does "no fault PIP insurance coverage" mean?
Does "No Fault" Really Mean "No Fault"?
No fault insurance coverage means personal injury protection (PIP) benefits. It allows car and truck accident victims to get immediate medical care and wage loss benefits and provides medical coverage, wage loss reimbursement, rehabilitation needs, funeral expenses and in home assistance.
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In a car wreck with a semi-truck who pays my medical bills.
In Kansas, when you have a car wreck with a semi-truck you initially use your own car insurance benefits to provide you medical care which allows you to take an ambulance to an emergency room and seek immediate medical care from a qualified emergency room doctor.
Do all states require mandatory PIP coverage for car insurance?
Not all states require mandatory PIP coverage on car insurance. Kansas is one of the primary states that does require it and the coverage is defined under K.S.A. 40-3103. Many states make PIP coverage optional, and some states do not require it in any manner.
Does PIP cover everyone in my vehicle that was hurt?
PIP for a car will apply to everyone in the vehicle who is hurt. If a passenger has their own car and insurance, they will use their personal car insurance to receive the PIP benefits.
How much PIP insurance coverage should I buy?
While basic PIP in Kansas provides $4,500 of medical coverage, $900 a month of wage loss and other benefits it is better to buy higher limits. Truck accidents cause serious injuries that can easily run up to $50,000 in the first day or two of treatment. Some companies will sell higher medical PIP like $25,000, $27,500, and up to $50,000.
When does the truck driver pay for my medical bills after a bad truck wreck?
The truck driver insurance company only pays when fault is proven. Thus, it is important to hire a truck accident attorney immediately after your truck wreck. The insurance company will usually not pay anything until they have accepted fault for the accident. Trucking lawyers use critical evidence at the accident scene to prove that fault.
Have a question about PIP coverage for your truck accident? You can call Brad’s cell phone at (316) 706-5020 for immediate support.
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