Why doesn’t the other guy pay my medical bills when they caused the wreck? They want to dispute everything they can as being not owed, unrelated to the car wreck, excessively high or an unreasonable amount.  Do not fool yourself.  The job of an insurance company, writing automobile insurance policies, is to make money and protect their insured, the at-fault driver. They do not have your best interests in mind.

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So, to counter this lack of payment by the at-fault driver, Kentucky is a no-fault state which means: for car wreck claims in Kentucky, the vehicle you are in, when the car wreck happens, is responsible for the first $10,000 of your medical bills. That’s the no-fault part of the State.

So, in my son’s case, the Camry was owned and insured by me.  As a result, even though he did nothing wrong to cause the car accident, my insurance company would be responsible for the first $10,000 of medical bills for his treatment and the treatment of his girlfriend, who was a passenger in the car.  As a backup or if, for example, the Camry had not been insured, either my son or his girlfriend could use their health insurance to pay their medical bills.

Kentucky PIP coverage helps in getting your medical bills paid

Of course, the next question I always hear is, “Will using my car insurance make my rates go up?”  The easy answer is that there is a law that says an insurance company can’t raise your rates if you were not at-fault for the car wreck.  So, it’s okay to use your no-fault insurance in getting your medical bills paid.

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