FAQ: What Does Personal Injury Protection (PIP) Insurance Cover in Texas?
Quick Answer: Personal Injury Protection (PIP) insurance helps pay your medical expenses and lost wages after a car accident—no matter who was at fault. This coverage applies to you, your passengers, and even authorized drivers of your insured vehicle.
At The Ashmore Law Firm, our attorneys help injured drivers understand how PIP works and ensure they receive the full compensation they’re entitled to under Texas law.
What PIP Covers
If you’re injured in an auto accident, PIP coverage pays:
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100% of your medical expenses related to the accident
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80% of your lost wages if your injuries prevent you from working
This coverage applies up to the limits of your policy, typically offered in amounts of $2,500, $5,000, or $10,000.
PIP Coverage Applies Regardless of Fault
One of the main benefits of PIP insurance is that it provides immediate help regardless of who caused the accident. That means you can access funds right away for medical care and bills without waiting for fault to be determined or a lawsuit to be resolved.
PIP covers:
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The insured driver
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Passengers in the insured vehicle
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Family members driving or riding in the insured car (in some policies)
PIP vs. Med Pay: Why PIP Is Better
While both PIP and Medical Payments (Med Pay) insurance help cover accident-related medical bills, PIP offers broader protection because:
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PIP covers lost income (Med Pay does not).
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PIP benefits do not have to be repaid to your insurance company, even if you receive a settlement.
For most Texas drivers, PIP is the more advantageous coverage option.
Why You Should Speak With a Personal Injury Attorney
Even with PIP coverage, insurance claims can quickly become complicated. A skilled personal injury attorney can:
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Review your insurance policy to ensure you’re using all available coverage
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Handle communication with insurance companies
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Help you pursue additional compensation if your injuries exceed your policy limits
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Protect your rights if another driver tries to shift blame for the accident
Have You Been Injured in a Dallas-Area Car Accident?
If you’ve been hurt in a car accident, contact The Ashmore Law Firm as soon as possible. Our experienced car accident attorneys can help you understand your PIP benefits and ensure you receive the compensation you deserve.
📞 Call us at 214.559.7202 or contact us online to schedule a consultation.
We proudly represent clients throughout the Dallas area in car accident and personal injury cases.
