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Texas Personal Injury Protection (PIP) Explained

Personal Injury ProtectionIf you have been hurt in a car, truck or motorcycle wreck in the Dallas Fort Worth area, one of the first things you need to do when you are evaluating your legal options is to check and see if you have Personal Injury Protection (or PIP). This type of insurance MUST be offered to you by your car insurance company when applying for automobile coverage.  PIP affords you or any passenger in your vehicle coverage for injury or lost wages received from an automobile accident whether the accident was caused by you or another party.

What Does PIP Cover?

Texas state law requires that all car liability insurance companies offer PIP, but a customer can choose to reject the coverage if they want. Many people chose to reject PIP coverage because of financial concerns.  You should carefully weigh the consequences of rejecting PIP before you decide to refuse such coverage.  For instance, if you are injured in an accident, you can receive your PIP benefits to pay for any medical expenses shortly after they are incurred.  By paying your medical quickly, you can avoid calls for payment from medical providers.  This benefit can also help if the at-fault party has minimal limits and your medical bills surpass the amount of their coverage upon settlement of your case.  This coverage is increasingly important for motorcycle riders.  Motorcycle-automobile accidents can cause catastrophic injuries.  PIP coverage would help pay your expenses while you are convalescing and unable to work.

Amounts of Coverage:

The minimum PIP coverage is $2,500.00.  These amounts increase with different insurance companies.  Most insurance companies offer $2,500, $5,000 and $10,000 in PIP benefits.  There are some insurance companies that offer up to $100,000.00 in PIP benefits.  It is your choice as to how much coverage you want with the limits the insurance company offers to its customers.

PIP Rejection Form Required:

If you decide to reject PIP coverage, you must sign a PIP rejection form.  If you are involved in an accident and a signed PIP rejection cannot be produced by your insurance company, you will be allowed $2,500.00 in PIP benefits automatically

Anderson Law Firm Recommendation:

We strongly recommend that all individuals purchase PIP coverage. It is not very expensive in relation to other coverage and it sure comes in handy if you are in an accident. Just because you have health insurance does not mean that you don’t need PIP. It can cover you deductibles, which are often very high, and it also can pay for your lost wages. While an injury claim against the other driver might also help you with compensation, those claims take longer to receive than PIP benefits.

Other Articles You Might Be Interested In:
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How Much Damage To Your Car Do You Need To Support A Personal Injury Claim in Tarrant County?

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Damages Recoverable in an Accident Case

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Mark A. Anderson
Board Certified Personal Injury Lawyer in Fort Worth, Texas