What is PIP?
PIP stands for Personal Injury Protection. PIP insurance in Kentucky provides a minimum of $10,000 of coverage if you’re involved in a Motor Vehicle Accident (MVA). Since Kentucky is a no-fault state, PIP pays for medical expenses, lost wages and other costs related to your injuries, no matter which party was at fault for the accident. Kentucky law requires basic PIP coverage on all motor vehicles except motorcycles. Basic PIP is to be paid by the insurer of the vehicle in which the injured person is riding at the time of an accident, or the vehicle which strikes a pedestrian, regardless of who was at fault in the accident.
Is there any out of pocket expense?
No. KPA only accepts motor vehicle insurance and all of the services we provide are billed through your Auto Insurance Company. The only exception is a $25.00 fee that is associated with the filling out of FMLA paperwork for those who request it.
Do I need a referral?
No. You DO NOT NEED a referral in order to receive treatment at KPA. Dr. Lewis can act as the supervising physician for your acute injury which includes the initial evaluation, setting up Therapy, Ordering Diagnostic Testing if needed and making referrals to other specialists when necessary.
Do You Accept Health Insurance?
KPA does not accept health insurance. KPA only treats patients who were injured in a Motor Vehicle Accidents (MVA). Should your $10,000 PIP coverage become exhausted, you still required additional Pain Management, and you have health insurance, KPA can transfer you to our sister company, Commonwealth Pain & Spine (CP&S) who specialize in Chronic Pain. CP&S accepts all forms of health insurance.
Why Do I Need an Attorney?
You don’t just need an attorney, you need a Great Attorney! A great attorney will be well worth their fee. Auto injury attorneys work on a contingency fee basis, which means there is no legal fee unless the attorney recovers compensation for your injuries. No one should ever try to represent themselves with their insurance company. You want to make sure not only are your rights protected, but specifically that the value of your claim is maximized so there is no threat that you may end up with unpaid medical bills, unfinished subrogation to your health insurance, or low reimbursement of your pain and suffering. Your Settlement $ Value = Pain & Suffering Multiplier X Medical Expenses + Loss of Income A Great Attorney will help you achieve a 3 – 4 Times Higher Settlement than you can achieve on your own.
Can you order imaging?
Yes. Dr. Lewis and the KPA Medical Team can order imaging for patients when necessary.
Can you refer me to a surgeon if I need one?
Yes. Dr. Lewis and the KPA Medical Team can make referrals to surgeons and other specialists as needed.
What Other Options Besides Oral Medications Do I Have for Pain?
There are many options for pain management besides oral medications. Other options include: Topical Medications such as Pain Creams and Patches, Durable Medical Equipment such as Back Braces, Knee Braces, TENS Units (electrical nerve stimulation), Trigger Point Injections, Physical Therapy, Chiropractic Therapy, Steroid Injections, Epidurals, Radio Frequency Ablation, and much more.
Why Do I Have to Go to Therapy?
When you are in an accident, your soft tissue (muscles, tendons, and ligaments) get stretched causing strains, sprains, and tears. Therapies are used to create blood flow to help in the healing process of the muscles, tendons, and ligaments. Massage and stretching are also used to prevent scar tissue from building up. The sooner you start therapy the better and sooner you will get back to your normal life, and a much higher probability that your soft tissue will heal properly so you will regain full function and range of motion. KPA’s pain management program works hand in hand with our therapy partners. KPA provides anti-inflammatories and muscle relaxers to help reduce the inflammation to allow therapists to do their job more efficiently, and the pain medicine helps manage your pain making the therapy feel much more tolerable.
Do you send my records to my primary care physician?
Yes. KPA can send your Primary Care Physician copies of the services we provided upon request.
Do You Accept Same Day Appointments?
KPA can often schedule patients the same day. The earlier the patient calls in the day, the higher probability the patient will have being scheduled the same day. Being scheduled the same day also depends if the patient has all the minimum information available for their first appointment.
What do I Need to Bring to My First Appointment?
When you come in for your first appointment, please have the following information available:
- A valid, government issued photo ID
- Your insurance information along with the claim number for the auto accident
- The name and contact information for your attorney
- The name and contact information for any other physicians you are treating with. For example, a Chiropractor or Physical Therapist.
On your first visit, please arrive 20 minutes early and be prepared to fill out our “New Patient” paperwork packet. This will ensure the timely processing of your treatment and medical bills.
Does KPA Provide Parking and Transportation?
If you are driving to KPA in your own vehicle, we provide free parking in the PARC Garage behind our building. The entrance to our PARC Garage is 115 West Jefferson Street.In need help with transportation?
- If your vehicle is damaged and not drivable, KPA will pick you up from home or your therapy Provider via Uber for your first KPA visit.
- After this first and only Uber ride, KPA will provide tarc transportation for every trip to and from KPA thereafter.
- tarc System Map: https://tripplan.ridetarc.org/SystemMap/index
- tarc Bus Stops: https://tripplan.ridetarc.org/Busstop/index
- tarc Trip Planner: https://tripplan.ridetarc.org/Trip/Index
- Smart Phone: Download the tarc app to your Android or iPhone.
Can Chiropractors Prescribe Pain Medications?
In Kentucky and in most of the United States, Chiropractors are not licensed to write prescriptions for medications. Chiropractors base their treatment on methods that involve as little medication as possible. They oftentimes partner with local physicians who can oversee the pain management aspect of their patients while they provide more of body alignment and musculoskeletal manipulation approach to provide patients with pain relief. Chiropractors treat a myriad of conditions relating to muscles and bones causing bodily discomfort and sometimes other ailments.
What Should I Do Immediately After a Car Accident?
- Remain at and Protect the Scene
- Seek Witnesses
- Request Police Involvement
- Take Pictures of Everything you see
- Exchange all pertinent information with the other driver
- Retain a Great Personal Injury Attorney
- Obtain a Police Report
- Report the Accident to Your Insurance Company (Retain a Great Attorney before this step)
- Seek Medical Attention
- Keep a File of Everything Regarding Your Accident