Personal Injury Protection (PIP) is a section in an auto insurance policy that helps pay for certain types of expenses that have accrued after engaging in an accident. While you may reject having this coverage on your policy, your insurance company should automatically offer you $2,500 worth of coverage for PIP, however you do have the option to purchase more. Having this type of coverage on your policy is rather important as it can help pay for certain things that you might not be able to afford in the event an untimely accident arises.
While we can’t predict when a collision or crash is going to occur, we can be prepared for when these instances do arise.
What Does PIP Pay?
PIP coverage will generally pick up medical expenses that are directly related to the accident. Any other health conditions might not be covered through PIP unless your condition worsened because of the accident. And still, you do need to check with your insurance agent to clarify whether the treatment for that condition will be covered.
PIP will also pay 80% of lost income and the cost of hiring a caregiver for an injured person. If you were involved in an accident and feel your insurance company isn’t providing you with adequate compensation for your injuries and the time you had to spend away from work, contact one of our local Brownsville, TX accident lawyers who can provide you with further information on what steps you should consider taking.
Who Does PIP Coverage Cover in Texas?
If you have PIP coverage and you live in Brownsville, Texas, your policy will cover you, your family members, and passengers that were in the vehicle at the time of the accident. It will also cover other injured people regardless of who was responsible for causing the accident according to the Texas Department of Insurance.
Again, you are going to want to thoroughly review your policy to check for limitations, exclusions, etc. so you are aware of what your coverage is and who it will and won’t cover. And if you think your insurer has made a mistake with your accident claim, don’t hesitate to let them know.
Our accident attorneys in Brownsville have had to take on cases where insurers acted out of bad faith and didn’t handle their claimants case properly. We don’t want you to have to go through these same obstacles which is why we also are here to help you find legal aid should you be struggling with your insurer.
What types of insurance coverage are required in the state of Texas?
While PIP is optional, there are other types of coverage that aren’t. For instance, you must be carrying liability insurance and the limits must be as follows:
- $30,000 fir each injured person
- $60,000 per accident
- $25,000 for property damage per accident
This type of coverage is commonly referred to as 30/60/25.
Knowing your policy and its limits is very important after engaging in an accident. And if you feel you need some legal advice or help regarding your recent encounter, don’t hesitate to contact us as we have connections with some of the best accident and injury attorneys in the city of Brownsville, TX.