If you've been hurt in a car, truck or motorcycle wreck in the Dallas-Fort Worth area, one of your first steps should be to check and see if you have personal injury protection (PIP). This type of insurance affords you (or any passenger in your vehicle) coverage for injury or lost wages resulting from an auto accident.
Texas state law requires all car insurance companies to offer PIP, but a customer can choose to reject the coverage if they want. PIP covers you even if the accident was your fault.
Why Should You Carry PIP?
Many people chose to reject PIP because they don't want to add any extra charges to their insurance bill. Though this is understandable, you should carefully weigh the consequences of rejecting PIP.
If you have PIP, you'll be able to pay your medical bills more quickly. Additionally, PIP will greatly assist you if another driver wrecks into you but doesn't have enough insurance to cover your bills (for instance, if your bills are $70,000 but they were only carrying the minimum Texas insurance limit of $30,000).
If you're a motorcyclist, I'd highly recommend getting PIP. Motorcycle accidents tend to result in bigger injuries and higher medical bills, so motorcyclists can use all the coverage they can get.
Amounts of Coverage
The minimum PIP coverage is $2,500.00, and most insurance companies offer $2,500, $5,000 and $10,000 in PIP benefits. There are some insurance companies that offer up to $100,000 in PIP benefits.
If you decide to reject PIP coverage, you must sign a PIP rejection form. If you're involved in an accident and your insurance company can't produce that form you signed, you'll be allowed $2,500 in PIP benefits automatically.
Does PIP Cover You If You're a Hurt Pedestrian?
Yes. Though most commonly used for drivers and their passengers inside the car, PIP covers any accident-related medical expenses. This is lucky, since pedestrian-auto collisions often end up with huge medical bills and injuries.
A Texas Lawyer's Recommendation to You
I strongly recommend that everyone gets PIP. It's not very expensive and it sure comes in handy if you're in an accident. Also, just because you have health insurance doesn't mean you should skip PIP. It can cover deductibles, which are often very high, and can pay you for lost wages from missed work. Not to mention, you can get the money quickly - something I know all auto wreck victims are happy to hear.
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