Texas Personal Injury Protection (PIP) is a portion of motor vehicle insurance that covers medical expenses for drivers and passengers of vehicles injured in motor vehicle accidents, regardless of negligence. With rising medical costs, increased traffic, and increased numbers of distracted driving deaths in the United States, it would be unwise to consider additional his PIP insurance beyond the minimum coverage of a Texas policy policy. Makes sense.
Texas PIP Law
Texas law requires all policyholders to provide PIP coverage, but PIP can be denied by the policy upon request. If PIP insurance is denied, coverage will remain out of policy with each renewal unless specifically requested to be re-added. Denying PIP coverage does not affect your liability insurance premium as it does in some non-leveraged states. Additionally, Texas has no liability limitations that limit your ability to sue other parties in an accident.
PIP insurance covers medical expenses for you and your passengers. It can also cover some of your lost wages if you are unable to work, and help pay for care services and non-medical costs. Medical expenses include ambulance, doctor, hospital, surgery, x-rays, dental or eye care, medical procedures, prosthetics, skilled nursing, rehabilitation, treatment, and funeral expenses. Texas PIP insurance also covers reasonable household chores that you cannot do if you are injured as a result of an insurance claim.
How does Texas PIP Insurance work?
PIP coverage is applicable regardless of who is at fault in a car accident. If a driver causes an accident, is hit by another person, is hit by an animal, or is hit by a stationary object, personal injury is covered under her PIP. Both the driver and occupants of a vehicle are typically covered by accident insurance, but we recommend that you check your policy for any exclusions that may limit your definition of who is eligible for PIP.
PIP applies if you are the driver of a vehicle or a passenger in someone else’s vehicle. If you are a passenger in someone else’s car and are injured in an accident, depending on your state, you may be covered by both the driver’s PIP and his PIP on your personal auto insurance policy.
The insurance PIP coverage amount depends on the level of coverage chosen by the policyholder. Insurance companies often offer multiple options for PIP coverage. Levels of $2,500, $5,000, and $10,000 are commonly offered in Texas. Some coverage options may vary by provider. Also, moving to another state can change your insurance options. Compare the cheapest car insurance in Texas for 2021 to find the best policy for you.
How to File a PIP Insurance Claim in Texas
To file a Texas PIP claim, you must notify your insurance company that an accident has occurred. We recommend that you report all injuries and expenses as soon as possible after an accident. When claiming medical expenses or lost wages from his PIP in Texas, the insurance company may require medical documentation to prove disability. This may include medical bills, receipts and payment documents.
Be sure to respect the legal deadlines for filing a claim and the right to sue if the insurance company fails to pay the claim. PIP claims are usually paid within 30 days, but filing early can expedite processing.
Frequently Asked Questions
Is PIP insurance required in Texas?
Texas law does not require PIP insurance to drive in Texas. However, PIP insurance must be provided to all policyholders and will only be withdrawn from the policy if the policyholder requests the change directly from the company.
Where can I buy PIP insurance in Texas?
The surcharges sold may vary, but most insurance companies offer PIP coverage in Texas. We recommend getting multiple quotes to ensure that you choose a company that offers the PIP coverage you need.
How much does auto insurance cost in Texas?
The average annual cost of auto insurance in Texas is $1,800 for comprehensive coverage and $496 for minimum coverage. This is very similar to the national average of $1,738 for comprehensive insurance and below the national average of $563 for minimum coverage.