How to File a PIP Claim After a Car Accident in Kentucky

How to File a PIP Claim After a Car Accident in Kentucky

If you’ve been in a car accident here in Kentucky, one of the first questions that comes up is: “How am I going to pay for my medical care?” The good news is that Kentucky requires drivers to carry Personal Injury Protection (PIP) coverage, which is designed to take care of medical bills and lost wages—no matter who caused the accident.

At FYZICAL Therapy and Balance Centers - Florence, KY, we work with patients every day who use their PIP benefits to cover treatment. Here’s a simple step-by-step guide to help you understand how to file a claim.

Step 1: Report the Accident and Get Care Quickly

• Call the police to file a report.
• Seek medical attention right away (even if you think your injuries are minor).
• Let your insurance company know you were in an accident.

Getting checked out quickly is important not only for your health but also for your insurance claim.

Step 2: Call Your Insurance Company

Your auto insurance provider will help you start a PIP claim.

When you call, here’s an example of what you can say:

“Hello, I was in a car accident on [date]. I’d like to open a Personal Injury Protection (PIP) claim to cover my medical treatment. Can you please give me my claim number and any forms I need to fill out?”

They may also ask you for:

• The accident details (date, time, and location)
• The police report number (if available)
• Information about your injuries and where you’re being treated

Step 3: Complete the PIP Application

To activate your benefits, you’ll fill out a PIP application form. This form lets your insurance company pay for your medical care directly.

Step 4: Share Your Insurance Information with Your Providers

When you come in for physical therapy, bring:

• Your auto insurance information
• Your claim number (if you already have one)

This allows us to bill your insurance directly through PIP, so you don’t have to worry about paying out-of-pocket while you recover.

Step 5: Keep Track of Expenses and Missed Work

PIP doesn’t just cover medical bills. It can also help with:

• Lost wages if you miss work because of your injuries
• Essential household help you can’t do on your own

Save your receipts and any paperwork from your employer—that way, you can be reimbursed.

Step 6: Focus on Recovery

Your PIP benefits are there so you can focus on healing instead of worrying about bills. Whether it’s physical therapy, doctor visits, or other medical care, make sure you keep all your appointments and follow your treatment plan. 

We offer a free screen to anyone who has been in an auto accident. You may book your appointment online here or by calling our office at 859-918-1025.

A Quick Reminder

Most policies in Kentucky start with $10,000 in PIP coverage, but you may have purchased more. Every situation is different, so if you have questions about your coverage, your insurance company (or even an attorney if the injuries are serious) can walk you through your options.

Frequently Asked Questions About PIP in Kentucky

1. How long does it take for PIP to pay?

Once your claim is opened and your provider sends bills, most insurance companies process PIP payments within a few weeks.

2. Do I have to pay my clinic up front?

Usually, no. With an active PIP claim, we bill your insurance directly so you don’t have to pay out-of-pocket for covered treatment.

3. What if my medical bills are more than $10,000?

If your injuries are severe, you may have additional coverage under your policy—or you may be able to file against the at-fault driver’s insurance. In these cases, it’s often helpful to speak with an attorney.

4. Can PIP cover more than just medical bills?

Yes. PIP can also cover lost wages if you’re unable to work and certain replacement services if you can’t perform household tasks.

5. Do I need a lawyer to use my PIP benefits?

Not usually. Most patients can use their PIP coverage by working directly with their insurance company and providers. However, if your injuries are serious or bills are very high, an attorney can help you explore additional options.

✅ Our clinic works directly with insurance companies to help patients use their PIP benefits. If you’ve been injured in an accident, let us know—we’ll guide you through the process so you can focus on getting better.

6. How do I make an appointment at FYZICAL Therapy and Balance Centers in Florence, KY?
You may make an appointment online on our website here or by calling our office at 859-918-1025