Brad Pistotnik Law
Abogado El Toro

What Does PIP Cover?

What does Personal Injury Protection cover? How does PIP help automobile accident survivors recover from their injuries? Personal Injury Protection, often called "PIP" for short, is insurance coverage that protects all drivers in Kansas regardless of who is at fault for causing the automobile accident. Kansas is one of 16 states that requires motorists to carry PIP coverage. At a minimum, PIP is required to provide compensation to cover medical expenses, lost wages, rehabilitation expenses, in-home care, and funeral expenses. Individuals in Kansas who want to claim PIP benefits are required to do so within 2 years following the date of an accident. K.S.A. 40-3113a is the PIP statute and makes PIP reimbursable when it is duplicative but not when the plaintiff has not been made whole where damages exceed the limits of insurance of the defendant plus the limits of PIP benefits. PIP is not always subrogable or reimbursable. You need the advice of a skilled personal injury attorney to know when it has to be paid back and when it does not.

The term duplicative arose in the case of Kroeker v. State Farm and K.S.A. 40-3113a was later modified to adopt the holding of Kroeker.

PIP provides basic coverage for a wide range of needs that can arise following an automobile accident. In Kansas, motorists are required to carry this coverage as part of their automobile insurance policies. The minimum coverage drivers must carry is $4,500 for medical expenses, $4,500 for rehabilitation services, and $2,000 for burial or cremation services. Drivers must also carry PIP coverage of $900 per month for loss of income or disability, and $25 per day for one full year to cover in-home health care services. While the minimum coverage will help with many long-term expenses, it is often far from sufficient to cover the needs of accident survivors and their family members. In Kansas, motorists are required to submit their PIP application prior to payment of their medical bills. Brad Pistotnik always recommends that you buy the highest level of PIP benefits and increase your bodily injury limits and uninsured and underinsured motorist coverage to as high as you can afford.

It is highly recommended for motorists in Kansas to carry additional PIP coverage as the number of uninsured motorists in America rises. As of 2015, it was estimated that approximately 13% of drivers did not carry coverage. In Kansas, the rate is just over 7%. In addition to uninsured/underinsured motorist coverage, PIP coverage can be used to pay for medical bills and other expenses that can occur following an automobile accident.

Kansas motorists can also add MedPay coverage to their insurance policies. MedPay covers medical expenses including ambulance fees, prosthetic devices, and surgery/x-rays. It also covers funeral expenses. But unlike PIP coverage, MedPay does not cover lost wages, living expenses, etc. This optional coverage overlaps other coverage and can be added to auto or health insurance policies in an amount up to differing amounts depending upon which insurance company you have a policy with. The higher PIP benefits can be a significant help in offsetting the expenses incurred in an automobile accident.

PIP is worth every penny and the cost of carrying PIP coverage varies depending on the motorist and their driving history. Many insurance providers offer discounts based on age, driving history, the number of vehicles insured, the individual's driving record, completion of driver's education courses, etc. It is also possible to bundle PIP coverage with auto/home insurance policies which can further reduce the cost.

In 2016, there were just under 6.3 million automobile accidents reported to law enforcement. These caused 37,461 fatalities and 2.43 million injuries. It is estimated that there is an injury causing accident every 13 seconds. When a motorist becomes a statistic, PIP coverage helps provide immediate protection and access to the medical care of the motorist's choice when an accident occurs.

Brad Pistotnik Law represents clients pursuing claims for automobile accidents in Wichita, August, El Dorado, Hutchinson, Newton, Winfield, Chicago, Kearney, Lincoln, Omaha, Emporia, Topeka, Garden City, Liberal, Dodge City, Satanta, Ulysses, Goodland, Springfield, Manhattan, Lawrence, Olathe, Gardner, Colby, Arkansas City, Hugoton, Kingman, and elsewhere in Kansas, Nebraska, Illinois, and Missouri. We help clients pursue the coverage personal injury protection provides to help them recover from the injuries they have sustained.

We are Brad Pistotnik Law. ® We are Abogado El Toro. ® Hire the real Brad. ® Call in the Bull. ® We are the Bull Attorneys! ™ Call us at 1-800-241-BRAD or call us on our local line at 316-684-4400. You can call Brad Pistotnik on his cell at 316-706-5020. You can call Tony Atterbury on his cell at 316-617-9237. You can call from Western Kansas at 620-THE-BULL. Our main office location is at 10111 E. 21st St. N., Suite 204, Wichita Kansas 67206. Our Garden City office is located at 3102 E. Kansas Avenue, Suite 100, Garden City, Kansas.