Most likely, no.

Personal Injury Protection Coverage also called No-Fault Coverage in Kentucky provides the option for the PIP claims to be self-directed. It is up to the insured how the payment of coverage is to be allocated. This gives the insured the ability manage their expenses as you asked. There is a procedure that needs to be followed for this to take place, and the funds are sent directly to the medial providers for medical care, sent to you with proof of loss for work loss reimbursement and so on. The entire PIP payment will most likely not be sent to you directly, the insurance company claims department will disperse the funds. There are dollar limitations on certain portions of the coverage. A PIP application form is needed and should be requested from your agent to open your PIP claim. This form begins the process. You may request to select, within state guidelines, the amount to be paid on each section of the PIP coverage up to your total benefit.

Kentucky has statutes that govern what types of damages can be paid on a PIP claim. Medical expenses are the most commonly claimed item on a no-fault claim. Lost wage reimbursement is another item often covered on PIP claims. This will require a statement from the employer regarding the employee’s income and work history, and one from the doctor regarding the claimant’s ability or inability to work. Funeral and burial expenses are generally only covered up to $1,000.00. Less common, are replacement services. This applies if the claim simply involves bodily injury preventing someone from ordinarily doing work around the home, or if the accident causes the death of someone who usually provided certain services around the home like a parent or spouse. Examples include expenses for childcare, housekeeping, and lawn care. These types of claims are capped to a maximum $200.00 per week.

Some health providers may request that the person receiving treatment sign a form authorizing the assignment of benefit to caregiver. Services not paid by the insurer may still be billed to the person who obtained the treatment. To find out what your policy will cover and how, you may wish to contact your insurance agent and or insurance carrier. For more information on Kentucky PIP you can contact the Kentucky Department of Insurance.