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kansas city car accident physical therapy
kansas city car accident physical therapy

 

Hurt in a Kansas Car Accident? Here’s What Your Insurance May (or May Not) Cover

After a car accident, most people focus on getting their vehicle fixed—but what about your medical bills and injuries? In Kansas, there are two main types of insurance coverage that can come into play: Bodily Injury Liability (BI) and Personal Injury Protection (PIP).

At Keystone Medical Group, we help patients throughout Kansas City, Overland Park, Olathe, and surrounding areas get the care they need and understand how these coverages apply to their situation.

What Is Bodily Injury Coverage?

Bodily Injury Liability is part of the at-fault driver’s auto insurance policy. It helps cover the medical expenses, lost wages, and legal costs of others injured in an accident the driver caused.

In Kansas, BI coverage is required by law. The minimum limits are:

  • $25,000 per person

  • $50,000 per accident

So, if another driver causes the crash and you’re hurt, their BI insurance may pay for your medical treatment and other damages. However, BI coverage does not pay your bills automatically—you may need to file a claim, and sometimes, involve an attorney.

What Is PIP (Personal Injury Protection)?

Kansas is a no-fault state, which means your own insurance policy includes PIP coverage, no matter who caused the crash. PIP helps pay for:

  • Medical expenses

  • Lost wages

  • Rehabilitation costs

  • Funeral expenses (in fatal accidents)

  • In-home services if you’re unable to care for yourself

In Kansas, the minimum required PIP coverage includes:

  • $4,500 for medical expenses per person

  • $900 per month in lost income (up to 12 months)

  • $25 per day for in-home services

  • $2,000 for funeral expenses

  • $4,500 for rehabilitation

Unlike BI coverage, PIP pays out quickly, but it’s often not enough to cover all your medical needs—especially in moderate or serious accidents.

How Keystone Medical Group Helps You Navigate PIP and BI Claims

We know dealing with insurance is the last thing you want to do when you’re in pain. That’s why our team offers:

  • Detailed medical documentation to support your claim

  • Case management to coordinate your care and paperwork

  • Assistance with PIP billing and tracking your benefits

  • Referrals to personal injury attorneys if you need legal help

  • Communication with your attorney or insurance adjuster when needed

Whether you’re using PIP, BI, or both, we help make sure your treatment is properly documented and timely—so you get the best chance at a full recovery and fair compensation.

Common Injuries Covered by PIP and BI

Our Kansas City clinic treats a wide range of accident-related injuries, including:

  • Concussions and post-concussion syndrome

  • Neck and back injuries like whiplash and herniated discs

  • Pinched nerves and radicular pain

  • Soft tissue injuries

  • Chronic headaches and dizziness

These are often covered under both PIP and BI policies, depending on your case.

Serving Kansas Accident Victims Across the Metro

Keystone Medical Group proudly serves patients in:

  • Kansas City, KS & MO

  • Overland Park

  • Lenexa

  • Olathe

  • Shawnee

  • Mission

  • Leavenworth and beyond

Wherever your accident happened, we’re here to help you heal—and handle the paperwork that comes with it.

Call Today for Injury Evaluation and Insurance Assistance

Injured in a Kansas car accident? Don’t try to navigate PIP and BI insurance alone. Call Keystone Medical Group at 816-705-2842 today. We’ll guide you through treatment, documentation, and claims so you can focus on getting better.