Q: Was passenger in full coverage vehicle covered by farm burea ins. Hit by coal truck ins. by another ins. Both KY vehi
Coal truck @ fault. I don't own a vehicle. Recieved questionare from ins. adjuster. ? have I filed a written refusal to consent to limitations of my tort rights & liabilities as provided in KRS 340.39. No I have not. Should I?
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A: It sounds like you have what is called a PIP application. The car you were traveling in is covered by Personal Injury Protection (PIP) insurance, which covers the first $10,000 of medical bills, and a small portion of any lost wages. If you have injuries, I would speak with a personal injury attorney, as it gets complicated. The coal truck's insurance carrier will handle any pain and suffering award, plus anything that exceeds the PIP coverage. First things first, get your PIP application in so you can have your doctor's visits and hospital visits covered. Then, I would strongly recommend speaking with a personal injury attorney. I hope this helps.
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