I have the option of choosing between Med Pay and PIP on my car insurance. What is the difference between Med Pay and PIP?

Medical Payments (Med Pay) will cover the medical payments of you and your passengers in your vehicle if they are injured in a crash. PIP includes medical payments coverage but also will cover other documented losses such as 80% of your lost wages. You may also be required to repay any benefits you receive under your Med Pay policy in the event you recover from the at fault driver's liability insurance.

However, there is no subrogation right as to PIP benefits. Again, as for reimbursement of your Med Pay benefits, it may depend upon the specifics of your situation as there are legal arguments that can be made against repayment if you are not "made whole" by the third party settlement due to lack of insurance coverage. Consult with a personal injury attorney to learn more.

Have You Been Injured In A Dallas, Texas Area Car Accident?

If you've been involved in a car accident you need to speak with an experienced car accident lawyer as soon as possible. Contact us online or call our Dallas office directly at 214.559.7202 to schedule your free consultation.

Gary Ashmore
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Helping Dallas, Texas area families with all their legal Probate, Estate Planning, and Family Law needs.