Our Auto Accident Lawyers Discuss Personal Injury Protection (PIP) Insurance After a Texas Car Accident
Texas car accidents occur every day and people injured in auto accidents often have several questions about how to file their insurance claims. No matter whether a demand letter is sent to your insurer or a lawsuit filed, anyone injured in any type of car wreck should file a claim under their Personal Injury Protection insurance, known commonly as PIP insurance.
Texas PIP insurance is a mandatory offering as part of regular auto insurance, but consumers can decline this coverage in writing with their car insurance company. Yet in Texas, many people hold misconceptions about PIP insurance.
The Truth about PIP Insurance in Texas
PIP insurance is no-fault insurance coverage. This means it does not matter who or what caused a car accident – just that there are injuries following the car wreck itself. Because this form of insurance is no-fault, insurance companies cannot raise rates, premiums, or deductibles based on past or present PIP insurance claims.
PIP insurance covers you, the driver, and any other occupants in the vehicle. Additionally, if you were hit by a car while riding a bicycle or if you were hit by a car while walking across the street, your PIP insurance will cover any property damage or bodily injury you sustain as a result of the car accident, regardless of whether you were at fault for the accident.
PIP insurance reimburses you up to whatever your car insurance policy’s maximum PIP coverage amount is for any property damage, bodily injury, and 80% of your lost income as a result of the car wreck. In Texas, car insurance companies must offer you PIP insurance coverage of at least $2,500, but this amount can be higher at your request at the time the insurance policy is written.
PIP insurance claims do not affect any other insurance claims. Regardless of whether you have filed or will file additional insurance claims against your car insurance policy or another driver’s car insurance policy, you may still receive all compensation from your PIP insurance. Likewise, regardless of whether you file a personal injury lawsuit against another driver and the other driver’s insurance company, a PIP claim will never affect a past, present, or future personal injury lawsuit nor a past, present, or future health insurance claim.
There’s a Catch – Did You Know?
Our car accident attorneys have won thousands of cases. Call us today to discuss your case.
Insurance companies like to deny PIP claims made by their own insured and they often will do so based on odd technicalities. The best way to ensure that you receive the PIP benefits that you deserve is to have your attorney file the PIP claim for you, using the proper procedures, along with any personal injury claims that are filed against the defendant.
Our Law Office strongly recommends filing claims with PIP insurance immediately following any Texas car accident, regardless of reason or fault for the wreck. However, because PIP insurance maximums are often less than $5,000, this insurance coverage may not be enough to cover all medical expenses or property damage sustained during the accident. Contact our office to speak with an experienced auto accident attorney about your personal situation following a car wreck. Call us for your complimentary consultation today.