Medical and Disability Coverages in Your Auto Insurance
All insured Kansas registered cars and light trucks have Personal Injury Protection (PIP) coverage which provides 1) payments for accident-related medical treatment, and 2) lost income disability payments. PIP coverage is not optional. If your vehicle is insured, you have PIP coverage.
The medical coverage is a minimum of $4,500.00 with no deductibles or co-pays. That means your own insurance pays 100% of your first $4,500.00 in accident-related medical expenses. Moreover, PIP is primary over your regular health insurance or employer-provided health benefits. Thus, your regular health coverage is not obligated to pay for any accident-related medical expenses until your auto insurer has paid out all your PIP medical expense coverage. If your regular health insurance kicks in because your PIP benefits are exhausted, there will be deductibles and co-pays as provided in your policy or benefits plan.
If you lost income due to your accident-related injuries, you are entitled to 85% of your gross income loss or $900/month, whichever is less, for one year after the accident, provided you are unable to work.
Some insurance companies sell PIP coverage that provides greater higher benefits than the minimums discussed above. Contact your insurer if you want more than minimum PIP coverage.