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  • Writer's pictureRobert Schuerger

Does Texas Have Personal Injury Protection (PIP) Coverage? [2023]

Personal injury protection (PIP) coverage is one type of insurance that is mandatory in Texas, and it can often make a significant difference in the aftermath of a car accident.


Under Texas law, all drivers must carry PIP insurance as part of their auto insurance policy.


This means that if someone is involved in a car accident, their own insurance company is responsible for paying their medical bills and lost wages up to the limits of their PIP coverage.


The benefits of having personal injury protection insurance are numerous. PIP coverage can pay for a victim's medical payments, hospital bills, and lost wages due to their injuries, regardless of who is at fault for the auto accident.


This means that even if the other driver has underinsured or uninsured motorist coverage, the victim will receive the medical care they need through their PIP coverage.


How Does Personal Injury Protection (PIP) Coverage Work?

How Does Personal Injury Protection (PIP) Coverage Work?


Personal injury protection (PIP) coverage is an essential component of auto insurance policies that every driver should be aware of. PIP coverage is mandatory in Texas, and it can cover medical bills and other expenses that result from car accidents. Schuerger Shunnarah Trial Attorneys can answer questions like, "Do you have to pay your medical bills from a personal injury settlement in Texas?"


Auto insurance companies bound by Texas law have to offer it to their policyholders. However, drivers can choose to opt out of PIP coverage if they want to. Motorists unwilling to accept the insurance policy must do so in writing.


Personal injury protection coverage is a crucial component of auto liability insurance policies for several reasons:

  • Immediate Treatment

Firstly, PIP insurance ensures that victims have immediate access to medical care if they are involved in a car accident. They don't have to worry about the cost of the services since the insurance company will cover it up to the policy limits.

  • Lost Wages

Secondly, PIP coverage ensures that injured drivers are not financially burdened while they are recovering from their injuries. If the victim is unable to work due to their severe injuries, their health insurance will cover all lost wages up to the limits of the policy.

  • Essential Services

Thirdly, PIP coverage can pay for expenses (including towering medical expenses) not compensated by the other driver's auto insurance company. This is particularly beneficial in cases where the at-fault driver's car insurance is underinsured or uninsured.


The Benefits of Personal Injury Protection (PIP) Insurance


Personal injury protection insurance is a necessary coverage that can benefit anyone in a car accident.

Auto accidents can result in serious injuries that can lead to piling hospital bills and lost wages. These expenses could quickly add up without medical payments coverage and cause significant financial harm.

However, drivers with liability insurance policies don't have to worry about paying for medical bills or other expenses out of their pocket. Instead, their health insurance will assist in covering these costs, which can save them from stress and financial anxiety.


The extent of PIP coverage varies depending on the victim's auto insurance policy. Generally, the minimum amount of car insurance required in Texas is $2,500, but drivers can purchase more coverage (if they want to).

  • Pay Medical Expenses

Accidents can happen anytime, anywhere, and to anybody. Regardless of who is at fault, hospital bills, ambulance services, lost wages, and other related expenses can quickly add up.

PIP insurance can help ease some of the financial burdens associated with a severe car accident and provide victims with peace of mind.

  • Instant Coverage

Filing a PIP claim means the victim has to go through their own insurance agency. Unlike liability insurance, PIP covers all aspects related to a car accident, including any income lost, funeral expenses (in case of wrongful death), medical treatment, etc.


With PIP claims, victims do not have to go through the other driver's insurance company and wait for their policies to offer medical payments coverage. Instead, the no-fault motorist can have their health insurance company cover all medical expenses, lost income, and other damages.


While health insurance companies may not cover all the costs related to a car accident, PIP coverage fills that gap and provides adequate financial support.


Medical billing is unpredictable, and PIP insurance helps victims avoid hefty expenses in the aftermath of an automobile crash.


What Does Personal Injury Protection Insurance Cover in Texas?


Under Texas law, all drivers have to carry auto liability coverage. However, liability insurance only covers damages and injuries inflicted on the other driver and their property.


Personal injury protection insurance is a separate coverage that motorists can add to their car insurance policy to cover their own medical expenses and lost wages after an automobile accident.


Drivers don't necessarily have to purchase PIP coverage; it's the duty of the insurance company to offer coverage to all motorists. The policy must include at least $2,500 in PIP coverage.


Every driver needs to have PIP coverage unless they sign a waiver rejecting it. However, they can only dismiss it in writing.


Personal injury protection coverage in Texas includes medical bills, lost income, and other expenses related to car accidents. Below is a detailed explanation of what PIP covers:

  • Medical Bills

Generally, a PIP claim can cover hospital expenses from the moment of the accident until the treatment is no longer necessary. This includes treatment bills, surgery, medication, physical and occupational therapy, and other medical services needed to recover from the injuries sustained in the car accident.

  • Lost Income

On the other hand, a PIP policy can also compensate for lost wages due to missed work caused by injuries sustained in a car accident.

  • Other Expenses

Personal injury protection insurance may also cover other expenses related to the auto accident, such as necessary travel expenses to go to medical appointments, home care, and even funeral expenses in the event of a fatality.


It is essential to note that PIP coverage limits vary from one vehicle insurance policy to another, and it is essential to read and understand the terms and conditions before signing.


Recovering Maximum Compensation from the Insurance Company

Recovering Maximum Compensation from the Insurance Company


Car accidents happen frequently and can often result in devastating injuries and financial losses. Victims involved in such incidents don't just have to deal with the pain and trauma but also with the insurance companies.


These agencies usually try to pay as little as possible or even deny the PIP claim altogether. At times like these, it's important to have a personal injury attorney who can help victims recover maximum compensation from the insurance company.


While the clients are recovering from their injuries, the attorney can guide the proceedings and take care of all the legal aspects, including PIP claims.


Insurance companies will investigate every detail of the automobile accident to find ways to pay the victim(s) less.


They often use lowball tactics to try and settle the claim for a fraction of what the victim deserves. This can be incredibly frustrating, especially when there are towering medical treatment bills and other expenses.


In this case, a personal injury lawyer in Dallas can help the plaintiff fight the insurance company's tactics and gather the evidence needed to build the case. Qualified attorneys can represent victims in court and litigate on their behalf to get them the compensation they deserve.

  • Knowledgeable

Experienced attorneys understand the law and can gather the necessary evidence to convince a judge or jury why the victim should be compensated for their injuries and damages.


They also have extensive experience litigating personal injury cases and have a deep understanding of how the court system works.

  • Skilled

Personal injury attorneys represent clients who have been injured in a wide range of accidents, including car crashes, truck collisions, motorcycle death wobble cases, slip and fall accidents, and more.

They can help victims of personal injury get the compensation they deserve and work tirelessly to ensure that their client's rights are protected.


At the end of the day, the goal is to recover maximum compensation. Whether the victim has PIP insurance or not, a personal injury attorney can help them navigate the complex world of auto insurance and personal injury claims.


Final Words


It can be extremely hard for car accident victims to recover from their injuries and receive maximum compensation for their losses.


Working with an experienced personal injury attorney is the best way to navigate the complex world of insurance claims and ensure they receive the compensation they're entitled to.


PIP coverage is mandatory in Texas, and all insurance companies must offer this policy to motorists.

However, recovering reimbursement for medical expenses, lost income, and compensation for personal injury is not always straightforward. Insurance companies usually employ a range of tactics to devalue the claim.


They may also argue that the injuries are not related to the accident or downplay the severity of the victim's damages. Such agencies can delay processing the PIP claim or refuse to pay out entirely.

This is where a skilled personal injury attorney can make all the difference. They will investigate the event and fight on the client's behalf against the insurance agency.


Experienced lawyers know the strategies that insurance companies use to pay less and will gather evidence to prove the case in court. They can also answer questions such as, "What is the statute of limitations in Texas for personal injury?"


Boasting "We Go to War for You" as its mantra, Schuerger Shunnarah Trial Attorneys can help victims reap the benefits of their PIP claims and recover maximum reimbursement for their injuries.


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