I cannot afford medical bills!

[Sugaliz]

Kansas

Can someone help me out here?
I was in an auto accident in December. I was hit by a driver and it was her fault, but I had no insurance at the time. After the collision I was taken to the ER.

The car was considered totaled and I received a payment for the car. Now I am receiving medical bills that I cannot afford - who pays for these? Do I need to sue the driver who hit me? Do I need to contact the other drivers insurance company since I had no insurance?

I have no idea what to do!

 

[racer72]

Contact the other driver's insurance company immediately. Hope you have not signed away your rights to compensation when you settled on the vehicle, some insurance companies will try to sneak final settlement language into the waiver. Also, some insurance companies will pay the bills as they come in, others won't pay till your ready to settle. Hope the insurance company is the former and not the latter.

 

[averad]

The state of Kansas follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. You should be aware that the details of a no-fault system vary from state to state and it is best to check with your state insurance regulator.
http://www.carinsurance.com/state/Kansas-car-insurance.aspx

but I had no insurance at the time

Just a FYI
What are the driving laws in my state?

AUTOMOBILE FINANCIAL RESPONSIBILITY LAWS
http://www.iii.org/individuals/auto/a/stateautolaws/

Insurance required: BI & PD Liab, PIP***, UM
Minimum liability limits: 25/50/10
Penalties for non-compliance: $300-$1,000 fine, maximum 6 months jail

***PIP - Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. Kansas state law requires a minimum Personal Injury Protection coverage of $4,500.

Looking at the information above it would seem you are in a very bad position to expect anything.

I may be confused, my Judge Judy in a box doesn't always give the right answer.

 

[moburkes]

The state of Kansas follows a No-Fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. You should be aware that the details of a no-fault system vary from state to state and it is best to check with your state insurance regulator.
http://www.carinsurance.com/state/Kansas-car-insurance.aspx



Just a FYI
What are the driving laws in my state?

AUTOMOBILE FINANCIAL RESPONSIBILITY LAWS
http://www.iii.org/individuals/auto/a/stateautolaws/

Insurance required: BI & PD Liab, PIP***, UM
Minimum liability limits: 25/50/10
Penalties for non-compliance: $300-$1,000 fine, maximum 6 months jail

***PIP - Personal Injury Protection (PIP) in your coverage helps pay for "reasonable and necessary" medical expenses for you and your passengers. Kansas state law requires a minimum Personal Injury Protection coverage of $4,500.

Looking at the information above it would seem you are in a very bad position to expect anything.

I may be confused, my Judge Judy in a box doesn't always give the right answer.

Therefore, you are responsible for your own medical bills.

 

[Happy Trails]

Kansas

Can someone help me out here?
I was in an auto accident in December. I was hit by a driver and it was her fault, but I had no insurance at the time. After the collision I was taken to the ER.

The car was considered totaled and I received a payment for the car. Now I am receiving medical bills that I cannot afford - who pays for these? Do I need to sue the driver who hit me? Do I need to contact the other drivers insurance company since I had no insurance?

I have no idea what to do!

Kansas is a no-fault state, had you been insured, you PIP (Personal Injury Protection) would have covered you.

However I did review the insurance statutes and did see that you could sue the insurance company, if you exceded the limitations of you PIP. So it wasn't clear, at least not that I could find.

I would suggest you contact and attorney and get an accurate answer.


This link is for informational purposes only:

http://www.dicksonandpope.com/nofault.htm