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A: Another type of coverage which may be applicable is PIP, which stands for Personal Injury Protection. This covers your own medical bills and lost wages and is paid to you regardless of who was at fault. It covers everyone in your car at the time of the wreck. In Texas, PIP is available in amounts from $2,500 to $100,000 depending on the insurance company. This type of insurance comes in very handy if you are in an accident, even if you have health insurance (and, believe it or not, some health carrier's do not cover bills if the treatment is related to an automobile accident).
You can make a claim on your PIP regardless of whether the at-fault driver has insurance. We recommend that all of our clients purchase this insurance. Sometimes our clients don't want to make a PIP claim as they are afraid that their rates will go up. By law, Texas insurers cannot raise your rates solely because of a PIP claim. We have never heard that making a PIP claim has this affect, so we always encourage our clients to let us make the claim on their behalf. The way we see it, the big fat insurance companies take your money year after year--let them pay you when you have valid claim.
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1310 W. El Paso Street
Fort Worth, Texas 76102
Phone: 817-294-1900
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9500 Ray White Rd., Suite 200
Keller TX 76244
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3102 Maple Ave, Suite 400
Dallas, Texas 75201
Phone: 214-327-8000
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