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There are a lot of opinions about personal injury cases, some are correct but many are incorrect. This is due in part to the misinformation that has been put out by the insurance industry. It is also due to the lack of information that is available to the general public on this subject. One of these myths is “The Insurance Company For The Car That Hit Me Has To Pay My Medical Bills As I Send The Bills To Them”.
This is not true, although the at-fault insurance company will eventually have to pay the majority of these medical bills, they do not have to pay them immediately. You actually submit your medical bills to your own insurance company and they will pay the bills. I know you are thinking, “I didn’t do anything wrong. Why should my insurance company have to pay anything?”
This would seem logical; however, the Kentucky legislature enacted a “No-Fault” Statute which requires your insurance company to pay your medical bills regardless of fault. When your case is settled or tried to a jury and closed your insurance company will be reimbursed by the at-fault insurance company for the medical bills they have paid that are related to the accident after the first $1,000.00. This is pursuant to the Kentucky No-Fault Statute or Personal Injury Protection laws.
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