Texas insurers must offer Personal Injury Protection, and you can only decline it in writing. PIP pays your medical expenses and a portion of lost wages after a crash, no matter who caused it, up to your selected limit (commonly 2,500 dollars).
Personal Injury Protection (PIP)
PIP is no-fault, fast, and does not have to be repaid out of your settlement in most cases, making it one of the most useful coverages a Texas driver can carry.
Medical Payments (MedPay) Coverage
MedPay is similar but covers medical costs only, not lost wages. Both coverages can stack with your health insurance and the at-fault driver's liability coverage, helping you avoid out-of-pocket costs while your claim is pending.
Using These Coverages Strategically
Because PIP and MedPay pay quickly and regardless of fault, they can keep treatment on track while a liability claim is investigated. A free review can help you understand every coverage on your own policy.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Texas attorney.