Should You Carry Personal Injury Protection Coverage?

Personal Injury Protection, often referred to as PIP coverage, is a form of car insurance that helps pay for medical bills, lost income, and other expenses if you get hurt in a car accident. This coverage applies to you and your passengers, no matter who is responsible for the accident. So, whether you caused the crash or not, PIP ensures that your medical expenses are taken care of.

What does Personal Injury Protection cover?

Personal injury protection (PIP) coverage in Texas is meant to provide financial support for you and your passengers if you’re involved in a car accident, no matter who caused it. This type of insurance helps pay for various medical costs, including surgeries, X-rays, and dental care, along with expenses for ambulance rides, rehabilitation therapy, funeral expenses, lost wages, and the cost of replacing essential services.

In Texas, insurance providers must provide at least $2,500 in Personal Injury Protection (PIP) coverage to all drivers. If you want more financial protection, you have the option to raise your coverage to $5,000 or even $10,000. This coverage limit is set for each person who gets hurt in an accident, which means it defines the highest amount your insurance will cover for each individual involved.

If you choose not to take PIP coverage, you need to make sure to decline it in writing. Deciding to skip PIP can lead to high medical costs for you and your family if you happen to get into an accident. It’s crucial to think about the possible financial consequences before you make the choice to give up this type of insurance.

Do I Have To Add It To My Policy?

In Texas, you can choose to forgo Personal Injury Protection (PIP) coverage. While insurance companies must offer this option, you are not required to take it. If you decide to decline PIP, you need to submit a written notice of your refusal. Even if you opt out of PIP coverage, you will still have the benefit of the other driver’s liability insurance if they are found to be at fault in an accident. Texas differs from some other states because it does not have a tort threshold, meaning that even minor claims can be covered by the at-fault driver’s liability insurance. However, if you are the one responsible for the accident and you do not have PIP coverage, your insurance will not help cover any medical costs for you or your passengers.

What If I Have PIP Coverage But The Insurance Company Denies My Claim?

Often, we hear from individuals who have had their PIP claims denied. This rejection is usually the first sign for those who have been in car accidents that the claims process might be more complicated than they anticipated, highlighting the need for help from a knowledgeable car accident lawyer in Dallas. Many victims face two typical strategies used by insurance companies.

After turning in all the needed documents, having several conversations with an adjuster, and finishing the required forms, victims find themselves in a waiting game. The insurance company often doesn’t answer their calls or reply to their emails, leaving them without any compensation. Occasionally, victims might get a letter explaining that their claim is delayed for specific reasons, but more often than not, they are met with total silence. Many clients come to us after their PIP provider has completely rejected their claim. This rejection usually stems from the claim that there is a supposed “lack of evidence” for the damages, even though the clients have submitted all the necessary hospital bills and details about their lost wages.

IF YOU NEED ASSISTANCE WITH YOUR P.I.P. CLAIM, CONTACT THE LAW OFFICE OF BRIAN BRUNSON TODAY.

Named one of the “Best Car Accident Lawyers in Dallas” by Expertise.com, Brian Brunson is Dallas personal injury attorney who is dedicated to helping clients who have suffered a car, truck, or motorcycle injury through the negligent or wrongful conduct of other drivers. In addition, his professionalism is unmatched and the firms’ client reviews speak for themselves. We proudly serve the Dallas-Fort Worth metroplex and surrounding areas, our office supports the legal needs of a wide variety of clients. Let the Law Office of Brian Brunson be your advocate in your time of need and help you put your life back together. If we can’t win or settle your case, you don’t pay a dime! We know it can be daunting to take that first step after you’ve been hurt. Contact Brian Brunson today via email or call us toll-free at 1-844-41-WRECK. We can help, when no one else will.