PIP also known as Personal Injury Protection is insurance coverage you would have purchased before the accident from the insurance company that insures your auto.    Kansas drivers that insure their vehicles for Liability and Uninsured Motorists coverage also have PIP insurance coverage.

PIP insurance is insurance coverage that will pay for medical expenses associated with an auto accident for a covered person regardless of who is responsible for the accident. A covered person could be the policyholder, passengers or even a member of the policy holder’s family. Just like liability insurance, you select the amount of coverage you want and pay a premium to your automobile insurance carrier.  If there is an accident and there are injuries to a covered person, you will make a claim for payment.  The amount of the claim is based on how much your medical bills are for the injuries sustained in the accident however, the amount will not exceed policy limits.    If you purchased $5,000 in PIP coverage, your PIP insurance will only pay $5,000 of your medical bills.   PIP Insurance will make payments for medical expenses regardless of who was at fault.

PIP Insurance will make payments for medical expenses regardless of who was at fault.

If you have health insurance you have a choice as to who will pay the medical bills associated with the accident.   As a personal injury client with RS Law we help you juggle PIP and your health insurance to maximize your financial recovery when a 3rd party is responsible for your injuries.

If the accident was caused by the negligence of another person you may be entitled to a personal injury settlement.   All payments made by your PIP insurance company for your medical bills related to your injuries are to be reimbursed from your settlement proceeds. RS Law is experienced with PIP and will negotiate with the PIP insurance company to reduce the amount the PIP insurance provider will ultimately get reimbursed which in turn will increase the amount of money you will receive.