PIP Suits

Personal Injury Protection Lawsuits

In Kentucky, the Motor Vehicle Reparations Act (MVRA), found in KRS 304.39 et seq., provides that the first $10,000.00 of your reasonable and necessary medical bills will be paid by your insurance company, regardless of who is at fault in the accident.

(Indiana has no such law. Some policies have medpay, which will allow your insurance company to pay for your medical bills for the amount of your medpay limit. This policy is optional and must be purchased for an additional charge on your insurance. Also, medpay will usually subrogate, or asked to be reimbursed for any payments out of any settlement or verdict that you receive.)

The MVRA dictates that all medical bills submitted to your insurance company are presumed reasonable and must be paid within thirty days. However, more and more often insurance companies are not following the law in Kentucky and are refusing to pay your medical bills, making it impossible for you to settle your Kentucky case.

In these circumstances, you have the right to sue your own insurance company to make it follow the law. The MVRA provides that if the insurance company did not follow the procedures when it believes that a bill is not reasonable or necessary, that you are entitled to interest on the unpaid bills, and the insurance company can also be responsible for your attorney fees in bringing the lawsuit.

There are currently hundreds of PIP suits, of which our office handles a proportion of those. The insurance companies are arguing for a different interpretation of the law than what it reads on its face. The matter has yet to be decided and the law may be in a state of flux on this issue. However, we are vigorously fighting for the law to be interpreted and applied as it reads. If you are in a similar position where your insurance company is not paying your medical bills under the MVRA, please contact our office to discuss how we can help you with no cost to you. We have had several successful cases where the insurance companies have agreed to pay outstanding medical bills, interest and attorney fees without going to trial.

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Anna K. Murray & Associates, P.C.
607 Watt Street
Jeffersonville, IN 47130

Phone: 812-269-2095
Fax: 812-284-1113
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