What is Personal Injury Protection?

Personal Injury Protection (PIP) serves as a fundamental element of car insurance, providing a safeguard for medical expenses and, occasionally, covering lost wages and other damages resulting from an automobile accident. PIP, an essential extension of car insurance available in Texas and some other U.S. states is characterized by its “no-fault” nature. This means that the policy is designed to pay claims without considering who is at fault or bears legal liability in an accident.

Coverage and Eligibility

PIP notably covers the medical, hospital, and even funeral expenses of the insured, individuals in their vehicle, and pedestrians affected by an accident. Coverage extends to the policy’s “named insured,” residents of the insured’s household related by blood, marriage, adoption, as well as step or foster children. Importantly, passengers and pedestrians also find coverage under PIP. This enables them to be eligible for payments regardless of the fault in the accident.

Moreover, PIP aims to cover reasonable and vital medical expenses, with the actual amount varying across different policies. Notably, it does not provide coverage for injuries obtained during farm equipment use, recreational or off-road vehicles, mopeds, motorcycles, intentional injuries, racing, or felony activities.

Mandatory PIP and Financial Aspects

In the context of Texas, maintaining a minimum of $2,500 of PIP insurance is a mandate, although individuals can opt for more extensive coverage. If PIP is not desired, it must be officially rejected in writing. PIP also takes care of 80% of lost income and the cost of hiring a caregiver for an injured individual, in addition to standard medical expenses, ensuring a comprehensive safety net. However, it is pivotal to note that all claims, whether they pertain to lost wages or medical expenses, are extracted from the same financial pot determined by your PIP coverage.

Claims and Legal Assistance

Despite the seemingly straightforward nature of PIP, ensuring a smooth claims process can involve meticulous submission of documents and consistent follow-up with the insurance company. Our attorneys stand ready to assist you in navigating through the PIP coverage claims, ensuring all documentation is appropriately submitted for insurance company review, and persistently following up until the coverage is awarded – typically within 30 days post-submission.

Our proficient team processes the PIP claim as a courtesy service, provided at no additional charge to our clients when it can be achieved devoid of litigation. Moreover, our legal expertise extends to assisting you in recovering your PIP insurance, medical bills, and lost wages, securing your financial stability following an accident.

In case of an accident and to explore more about your eligibility and claiming process, feel free to reach us at (512) 246-9191 or connect with us online. Our committed attorneys are here to guide you through the recovery of your PIP insurance, medical bills, and lost wages, ensuring a seamless and supportive process during trying times.

What Our Clients Say

suffered a fall at a local Austin restaurant that resulted in serious injury requiring surgery. I believed the restaurant to be at fault for not adequately marking a hidden stairway. Andrew was engaged to handle my case. I found him, at all times, to be prepared and more than competent. He kept me informed on the status of my case, but more importantly, prepared well me for the the activities that would require my participation... namely the process of taking depositions. He was there during the mediation negotiations and in the end I received an out of court settlement that I believed to fair and adequate. I would recommend Andrew without hesitation. I for one am a very satisfied customer.

5/ 5
Daniel K.

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While most of our clients hail from Austin, Round Rock, Cedar Park, Georgetown, and Pflugerville in Travis and Williamson Counties, we have also worked with clients in Dallas, Houston, and San Antonio. Other clients have come from Lakeway, Jollyville, Anderson Mill, Kyle, and Leander. If your accident was in Texas, we can help you. The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
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