Who pays for my medical bills after a motor vehicle accident in Kansas?

Kansas is known as a no-fault car insurance State.   What that means is that your own medical insurance pays for your medical expenses and lost wages no matter who is at fault for the accident.  The law in Kansas requires all automobile insurance policies to have the minimum coverage limits of $25,000 for bodily injury per person, $50,000 for bodily injury per accident for two or more people and $25,000 for property damage per accident. 

The minimum policy includes coverage as low as $4,500 per person in Personal Injury Protection (“PIP”).  PIP is coverage provided to help pay for your medical bills.  If your injuries are more serious, and your bills go above and beyond your PIP coverage you can file a claim against the at fault driver’s liability coverage, or you can use your own health insurance. You may have private health insurance; however, your health insurance has the right to be reimbursed for your medical treatment. If you have a lawsuit and you win your case your health insurance company has the right to subrogate your lien.   It is important to have a lawyer work with you so you can receive proper medical treatment in order to increase the value of your case.

If the at fault driver does not have insurance,  you can make a claim for what they call uninsured motorist coverage. Uninsured motorist coverage will allow you to make a claim for money damages to your own insurance in order to properly compensate you for being hurt by an uninsured driver.  The law in Kansas also provides that every insurance policy comes with minimum uninsured motorist coverage limits of $25,000 per person and $50,000 per accident. This provides an easy and cost-effective way to obtain money damages for your injury. Uninsured motorist coverage financially helps with your injuries, passengers’ injuries and damages to your vehicle.

Your attorney can help you navigate your insurance policy to learn about the coverage available to you. Again, the coverage listed above are the minimum limits that every Kansas automobile policy is sold with.  You may have purchased additional PIP and/or uninsured motorist coverage.

Unfortunately, insurance claims and lawsuits take time, often a lot of time! You have two years in the state of Kansas before you have to file your personal injury claim.  While you are waiting to be compensated for your accident it is very easy to fall behind on your bills that don’t quit. That is why Bridgeway Legal Funding is here to help.  

Bridgeway Legal Funding can help you get the money you need today and you only have to pay it back if you win your case. Talk a Bridgeway team member today and you could have the money you need to stay afloat within 24 hours. Pre-settlement funding from Bridgeway is a quick & easy way to make ends meet while you wait for your due compensation.