PIP Disability Benefits
Built into Car Insurance!

Your Car Insurance Can Help Pay For Your Medical Care

Do you realize that when you buy car insurance in Kentucky, you have PIP benefits, or personal injury protection after an accident?

Minimum PIP Benefits (Personal Injury Protection for car accidents) pay both lost wages and medical treatment costs up to $10,000.  With this level, you can recoup lost wages up to $200/week up to what is left after medical care.  A short emergency room visit can easily run $7,000.

Can I increase my PIP benefits?

Yes.  For as little as an extra $30, you can increase your PIP benefits.  Speak with your insurance agent to find out how to get additional disability benefits.


You are most likely to become disabled for a month or two after a car accident.  From the practical perspective, increasing your PIP insurance benefits is the cheapest way to buy disability insurance.  You may be able to get an additional $100/week in lost wages for each $10,000 additional disability benefits you buy before the accident.

With an additional $20,000 in PIP disability benefits, you may qualify for $400/week in lost wages.  Wage earners with responsibilities need added PIP disability benefits.  You would have to pay much more for an individual disability insurance policy to give you the same amount.

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