PIP & Accident Expense Claims Ledger
Organize every medical invoice, lost wage day, travel mile, and caregiver receipt following a motor vehicle collision. Map your costs against statutory Personal Injury Protection (PIP) policy buckets to calculate uncompensated bodily injury damages before your attorney consultation.
| Date | Category | Provider / Description | Billed ($) | PIP Covered ($) | Uncompensated ($) | Actions |
|---|
Understanding PIP (No-Fault) vs. Third-Party Bodily Injury
In no-fault states like Kansas (K.S.A. § 40-3101 et seq.), your own auto insurer is primary for initial medical bills, basic lost income, and household replacement assistance regardless of who caused the collision.
- Medical Rehabilitation: Pays for emergency ambulance, hospital, MRI, surgery, and physical therapy up to the statutory policy limit.
- Disability / Lost Earnings: Compensates lost wages up to statutory monthly maximums (e.g., $900/month for up to 1 year in Kansas).
- Essential Services: Daily stipend (e.g., $25/day up to 365 days) for homemaking, childcare, or lawncare tasks you cannot physically execute.
- Exhaustion & The Tort Threshold: Once your documented treatment exceeds PIP limits or crosses statutory injury thresholds, the at-fault driver's bodily injury liability policy is billed for excess uncompensated damages and pain/suffering.
Attorney Consultation Preparation Checklist
Why must I track bills before meeting with an attorney?
Attorneys require an itemized breakdown of what has been paid by PIP, what was denied, and what medical liens exist. Having your ledger ready saves weeks of administrative delay during initial demand package preparation.
How is medical travel mileage compensated?
Travel to and from doctor appointments, physical therapy sessions, and diagnostic centers is an allowable rehabilitation expense under PIP. Keep exact odometer readings or date/facility logs.
Does your tool share or store my medical data?
No. This application runs entirely inside your browser's local sandbox memory. No records, names, or financial figures are transmitted to any server or third party.