Personal injury protection (PIP) insurance is a type of car insurance that pays for your medical expenses, lost wages, and related expenses if you are injured in a car accident, regardless of who was at fault. All auto policies in Texas automatically come with PIP coverage. If you wish to waive it, you must inform the carrier of your request in writing.
Why Is PIP Insurance Important?
PIP insurance is important because it can help mitigate the financial impact of a wreck for both you and your passengers. Even if you have health insurance, PIP insurance can help cover the costs of care that are not covered by your health insurance. PIP insurance can also help you cover lost wages if you are unable to work due to your injuries.
How Much PIP Insurance Should I Buy?
The amount of PIP insurance you should buy depends on your individual needs and financial situation. However, it is a good idea to buy at least enough coverage to yield enough compensation to help you stay afloat in the event of a wreck.
How Do I File a PIP Insurance Claim?
Since the PIP coverage is under your own policy, you must file a first-party claim with your carrier in order to use it. To get the proceedings underway, you will need to provide your insurance company with the following information:
- The date, time, and location of the accident;
- The names and insurance details of the other drivers involved;
- The police report number;
- Your medical records; and
- Any other documentation that supports your claim, like photographs of the wreckage or dash cam footage.
Your insurance company will then investigate your claim and determine whether you are entitled to benefits. If your claim is approved, they will cover or reimburse your losses up to the limits of your policy.
How Can I Strengthen My PIP Insurance Claim?
Since the carrier ultimately wants to protect their bottom line, they’re going to be looking for a reason to challenge your claim. To avoid giving them one, it’s wise to stay off social media as long as your claim is pending. After all, there is no way to stop them from spinning what you post and using it against you.
It’s also in your best interests to avoid corresponding with the insurance adjuster at all. This will be possible if you enlist legal representation, since your attorney can handle all interactions on your behalf.
In short, PIP insurance is an important part of any car insurance policy. If you get hurt in a car accident, it can help you pay for your medical expenses, lost wages, and other expenses. If you have any questions about PIP insurance, contact your insurance company.
Call 713-893-8808 to Speak with a Car Accident Attorney in Houston
If you were hurt in a car accident and you need help navigating the subsequent claims, turn to Chelsie King Garza, P.C. When you call Chelsie, you get Chelsie, who will personally handle every aspect of your case. Call 713-893-8808 or submit her Contact Form to schedule a free consultation with this Houston car accident lawyer.