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Personal Injury Protection (PIP) Insurance: Protecting Yourself and Your Loved Ones

Jul 15, 2023 | Personal Injury

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Accidents happen when we least expect them, and the consequences can be overwhelming. When an accident occurs, the financial burden of medical expenses, lost wages, and other damages can quickly add up. PIP can help cover many auto accident injury expenses without hassling with the other driver’s insurance company. In addition, this coverage pays for your damages, no matter who was at fault for the accident. In this article, we’ll explore what PIP insurance is, how it works, and why it’s an essential coverage option that you should consider.

What is Personal Injury Protection Insurance?

Personal Injury Protection (PIP) insurance is a type of car insurance coverage that can help protect you and your loved ones in the event of an accident, regardless of who is at fault. PIP insurance provides financial assistance for medical expenses, lost income, and other damages resulting from accidents covered by the policy. It’s often referred to as “no-fault insurance” because it covers your expenses regardless of the responsible party.

PIP will also pay for your car passengers’ medical bills if they are hurt in the crash.

In Texas, you are required to purchase Personal Injury Protection (PIP) coverage through your auto insurance policy. However, you can sign a waiver declining this coverage. However, turning down PIP may leave you unprotected if you suffer a severe injury in an accident and face thousands of dollars in medical bills and lost wages.

How Does PIP Insurance Work?

PIP coverage in Texas pays you and your passengers if the auto accident causes injuries. When you have PIP insurance, it serves as the primary coverage for medical expenses and immediate financial needs after an accident. Instead of waiting for a lengthy claims process or a lawsuit settlement, PIP coverage can provide quick access to funds to help you get back on your feet sooner. PIP will typically cover the following:

  • Reasonable medical costs, including necessary surgeries, X-rays, dental or eye treatments, medical procedures, prosthetic devices, and professional nursing
  • Ambulance services
  • Rehabilitation therapy
  • Funeral services
  • Lost income resulting from the accident
  • Replacement of necessary services provided by the injured party, such as family care or household maintenance, if the injured person is not an income producer

It’s important to note that PIP insurance has its limitations. Coverage amounts vary depending on your policy, and certain types of expenses may be deductibles or restrictions. Additionally, PIP insurance may not cover non-economic damages like pain and suffering.

In Texas, insurance companies are required to offer drivers personal injury protection (PIP) coverage of at least $2,500. You can increase that coverage to $5,000 or $10,000 if you want more financial security. The policy limit refers to the total amount your insurance will pay per person injured in an accident.

How Do You File a PIP Claim?

PIP only covers losses that occur within three years of an auto accident. Remember to report all personal injuries and expenses to your PIP provider immediately.

Remember to include all bills, receipts, proof of payments, and related documents when filing a PIP claim. Doing so will help the case move along more quickly.

Depending on your expenses, your PIP claim may have various reimbursement levels.

  • PIP coverage covers 100% of your medical treatment, ambulance trips, and funeral expenses. Keep receipts for all treatments and costs related to your accident. Also, get documentation from your service provider to prove the expenses are related to the accident.
  • PIP typically covers 80% of lost earnings because of an accident. You will need to provide proof that your injuries were the direct cause of your loss of income and that you were earning a certain amount before the accident occurred.

Do You Need PIP If You Have Health Insurance?

Many people believe they don’t need PIP coverage if they have health insurance. But did you know that your health insurance policy may not cover all your medical bills if you’re in an accident? Also, it won’t pay for lost wages while you recover.

In addition, after a severe accident, most of us want to be able to concentrate on getting well instead of worrying about financial matters.

Providing peace of mind and financial protection, Personal Injury Protection will ensure you have the money you need to care for yourself if the worst happens.

If you have more significant expenses than your PIP coverage, contact your health insurance provider to see if they will cover more medical bills. You also can file a personal injury lawsuit against the at-fault driver to recover other damages.

If I Have Personal Injury Protection, Do I Still Need A Lawyer?

While good for covering some medical bills and costs, PIP policies often fall short of fully compensating you for your injuries. By hiring counsel, you can ensure that all available sources of funds have been used to pay for your medical bills and compensate you for pain and suffering.

Frequently Asked Questions About PIP Insurance

Here are some common questions about PIP insurance:

Q: What does PIP insurance typically cover?

A: PIP insurance generally covers medical expenses, lost wages, and other related damages resulting from covered accidents.

Q: How much does PIP insurance cost?

A: PIP insurance costs vary based on factors such as your location, driving record, and coverage limits. Obtaining quotes from insurance providers is advisable to determine the price specific to your situation.

Q: Who is eligible for PIP insurance?

A: PIP insurance eligibility requirements can vary depending on your state and insurance provider. In Texas, PIP insurance is required. However, you can opt out of it if you want to.

Choosing The Right Insurance Policy

When selecting a PIP insurance policy, it’s essential to consider several factors:

Coverage amounts: Assess your needs and select appropriate coverage limits for your situation. Higher coverage limits may come at a slightly higher cost but provide increased financial protection.

Deductibles: Determine how much you’re willing to pay out of pocket before your PIP coverage kicks in. A higher deductible may lower your premium but means you’ll have to cover more expenses upfront in case of an accident.

Provider reputation: Research insurance providers and choose one with a track record of excellent customer service and prompt claims processing.

Take Action and Protect Yourself Today

Accidents can happen to anyone at any time. Please don’t wait until it’s too late to protect yourself and your loved ones from the financial ramifications of an accident. Consider adding Personal Injury Protection (PIP) insurance to your coverage options and find peace of mind knowing you’re prepared for the unexpected.

If You Are Injured In An Auto Accident, Call Walker Texas Lawyer

One name stands out in a sea of personal injury attorneys: Walker Texas Lawyer. With an unmatched track record and an unwavering commitment to his clients, he is truly in a league of his own. Unlike other attorneys, Walker Texas Lawyer goes the extra mile to ensure that justice is served and his clients receive the compensation they rightfully deserve. His unparalleled expertise and razor-sharp legal strategies set him apart, making him the go-to choice for those who refuse to settle for less. Whether it’s a car accident, truck accident, or wrongful death, Walker Texas Lawyer is there to protect and fight for you. Trust in his unrivaled dedication and experience, and rest assured that your case will be handled with the utmost care and proficiency. When it comes to personal injury attorneys, there’s no match for Walker Texas Lawyer.

Don’t hesitate to call Walker Texas Lawyer for a free consultation. We are dedicated to fighting for your rights and helping you receive the compensation you deserve.

CONTACT HOUSTON’S PERSONAL INJURY LAWYER, WALKER TEXAS LAWYER FOR HELP

For more information, contact Houston’s accident law firm of Walker Texas Lawyer by calling (713) 552-1117.

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Houston, TX 77027

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Pasadena, TX 77504

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James Walker - Walker Texas Lawyer James Walker is a Personal Injury Attorney in Houston, Texas. He has over 40 years of legal experience and has helped over 25,000 clients. This means he has demonstrated his extensive knowledge of legal procedures. He knows how to handle insurance companies. If insurance companies refuse to give you a fair shake, they will take the insurance companies to court. He knows the law inside and out. He knows what he’s doing.

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