Most drivers in Texas carry insurance on their vehicles to protect them from damage they may cause to others or their property. However, Personal Injury Protection coverage (PIP) is coverage for you and possibly the other passengers in your vehicle.
What does it cover: Personal Injury Protection coverage pays medical payments coverage, plus 80 percent of lost income and the cost of hiring a caregiver for an injured person.
Who does it cover: You, your family members, and passengers in your car, regardless of who caused the accident.
An insurance company must offer you $2,500 in PIP, but you can buy more. If you don’t want PIP, you must reject it in writing. You should get the maximum amount of PIP coverage your policy will allow. After an accident, PIP makes it a little easier handle your expenses.
The Morris Firm, email@example.com, (214)357-1782