Can the pip check be sent to the injured person to pay the medical bill themselves.

I was in a car accident and I'm sure that my bills will be over the 10,000 limit. I asked the insurance company if I was to submit my bills to them if they would send me the check so that I could try and negotiate my bills with the providers. So that way I could possibly use the ten thousand to pay them off without being left with some debt. The insurance provider told me they were not allowed to do that the insurance company is Progressive and the accident happened in Kentucky