A Complete Guide to Personal Injury Protection in the State of Texas

If you were hurt in a car accident, getting medical attention is the most important thing you can do for yourself right now. In the event of an emergency, your doctor may recommend in-patient care, surgery, or therapy. Despite your best efforts to avoid thinking about it, healing comes at a price. That’s why Texans must get PIP coverage.

Auto insurance that includes “personal injury protection” (PIP) might be invaluable in these types of situations. With this insurance, you won’t have to worry about the astronomical costs incurred by your treatment. Learn more!

Just what is PIP, anyway?

Personal Injury Protection (PIP), also called no-fault insurance, is motor insurance that helps pay for medical bills you rack up after an accident, regardless of who was at fault. It covers medical costs for policyholders and passengers in a vehicle, regardless of whether or not they have health insurance.

The policy maximum is sometimes not enough to cover the expense of therapy. Fortunately, health insurance typically covers these sorts of “catastrophic” costs. When numerous people are hurt in an accident, the insurance company will only pay a certain sum per person.

In the state of Texas, PIP is optional. Yet, purchasing protection can alleviate concerns about out-of-pocket medical expenses, post-accident wage loss, and policy deductibles. In the case of no-fault insurance, the policyholder must not provide proof of liability to receive payment for medical expenditures incurred due to an accident.

Using PIP as a Safety Net

The health and safety of everyone in the car should be your top concern after an accident. After ensuring everyone is okay, you should focus on getting out of the automobile and figuring out how to get your belongings safely. Having to start worrying about paying for medical expenses and fixing the damage causes more stress and anxiety during an already trying time.

In cases when the at-fault motorist has inadequate insurance, you may be responsible for paying for medical care and vehicle repairs that exceed your policy’s limits. As an added complication, if the negligent driver causes an accident involving many vehicles, you may have to fight with the other drivers involved for a cut of the compensation.

If you’ve been hurt in a car accident and the other driver’s insurance company can’t cover your bills, Personal Injury Protection (PIP) in Texas will. Think of it as an insurance policy that kicks in when the other guy’s policy isn’t enough to cover the damage.

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