If you’ve had the painful and miserable experience of being in an accident, you’ve got a lot of questions.
Like who is going to pay for my medical expenses and lost wages? How can I collect insurance benefits? What is available?
Here are come answers about a basic and extremely useful policy that you may be paying for and not even know it: Personal Injury Protection benefits or PIP.
What is PIP?
It is an optional coverage that the driver can get money from when he or she is injured. PIP is no-fault because a driver can recover money under the policy even if he or she caused the crash.
The $2,500 for every person in the vehicle amount is the lowest amount of coverage a Texas driver can buy, but for a few dollars more each month, you can purchase up to $100,000 in benefits. This large amount presumably will never be necessary, but you never know. And even if you have health insurance, often these carriers refuse to pay if you were in a car accident. Or they pay some of your bills but subrogate, that is demand reimbursement of bills paid.
PIP pays in addition to the at-fault driver’s maximum of $30,000 for any one person injured and $60,000 for all people injured in a collision that most drivers have available under their liability policies and other insurance that may be available.