Texas personal injury coverage (PIP), is a part of your auto policy that covers medical expenses for passengers and drivers who are injured in an automobile accident. It is worth looking into additional PIP insurance beyond the minimum coverage provided by Texas insurance policies due to rising medical costs in the United States, increased road traffic, and increasing traffic fatalities from distracted driving.
Texas PIP statute
Texas law requires that all policyholders have PIP coverage. However, PIP can be withdrawn from policies by request. PIP insurance will be removed from a policy if it is not specifically requested. PIP coverage rejection will not impact your liability insurance premiums in the same way it does in other no-fault states. Texas doesn’t have a tort threshold, which limits your ability of suing another party in an accident.
PIP insurance covers you and your passengers for medical bills. If you become disabled, it can cover some of your lost wages. It may also pay for caregiver services or other non-medical expenses. These medical costs could include hospitalizations, doctor visits, surgery, X-rays and dental procedures. Protheses, medical services, prosthetic devices, professional nursing, rehabilitation, therapy, and funeral costs. Texas PIP insurance can provide coverage for household duties that are not possible due to injuries sustained in a covered case.
What is the process of Texas’s PIP insurance?
No matter who was at fault for an auto accident, PIP coverage may be available. PIP covers personal injuries for both the driver and passengers of a vehicle. This applies if the driver causes an accident, is hit by another party or hits an animal. In most cases, injuries are covered for both the driver as well as any passengers in the vehicle. However, it is best to review your policy for exclusion clauses.
PIP covers you whether you’re the driver or passenger of another vehicle. You may be covered if you are a passenger in another vehicle and are hurt in an accident. Depending on your state, you might also have PIP from your auto insurance policy.
The amount of PIP coverage a policy provides will depend on the coverage that was purchased. There are many options available to you for PIP coverage from insurance companies. Texas offers increments up to $2,500, $5,000, and $10,000. There may be different coverage options depending on the carrier. Your coverage options may change if you move to a different state. To find the best policy, you can compare policies for the cheapest Texas car insurance for 2021.
How to file a PIP Insurance claim in Texas
You must inform your Texas PIP insurance company about an accident in order to file a Texas PIP insurance case. If possible, it is best to immediately report any injuries or expenses following an accident. In Texas, insurance companies might require documentation to prove the inability of working in order to file a claim for medical bills and lost wages under PIP. These documents could include receipts, documentation and medical bills.
You should be aware of the legal deadlines for filing your claim for injuries. Also, you have the right to sue an insurance company if they fail to pay your claim. Although PIP claims usually get paid within 30 working days, prompt filing can help speed up the process.
Questions frequently asked
Is Texas PIP insurance mandatory?
Texas law doesn’t require PIP insurance in order to drive in Texas. PIP insurance must still be available to all policyholders. It can only be removed from a policy by the policyholder directly.
What is the best place to buy PIP insurance?
Most insurance companies offer PIP coverage in Texas, though the increments may vary. To ensure you get the best PIP coverage, you might want to obtain multiple quotes.
What is the cost of Texas car insurance?
The average cost of Texas car insurance is $1,800 for full coverage. It is lower than the $563 national average for minimum coverage.
