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• How to Buy Car Insurance Guide

• Car Accidents
• Motorcycle Accidents
• Truck Accidents
• Fatal Car Accidents
• Drunk Driving Accidents
• Insurance Settlements
• Pedestrian Car Accidents
• 18 Wheeler Accidents

• Car Accidents Overview
• Top Questions of Accident Victims
• Top Mistakes of Young Drivers
• Dealing with Your Insurance Company
• Neck Pain and Whiplash
• What to do After a Car Accident
• Uninsured and underinsured Motorist Claims
• Subrogation Claims
• Personal Injury Protection
• Pain and Suffering

Claiming PIP

PIP is an extension of car insurance available in Texas which covers medical expenses and, in some cases, lost wages and other damages. Personal Injury Protection or PIP is an insurance coverage for medical and other expenses resulting from an automobile accident, for people specified in the policy, regardless of who is at fault in the accident.  PIP usually covers the medical, hospital and funeral expenses of the insured, others in his vehicle and pedestrians struck by him.

The fact that blame does not have to be confirmed saves time and therefore allows medical payments to get into the pockets of the injured parties as soon as possible. It saves everybody from the cost of lawsuits being filed so that responsibility can be proved for an accident and therefore who has responsibility for the bills.

The person named in the policy as the “named insured,” and residents of the named insured’s household related by blood, marriage or adoption, step or foster children are covered for injuries incurred in an accident.  Also passengers or pedestrians are covered.  These people will be eligible for payments no matter who is at fault in the accident.

PIP covers reasonable and necessary medical expenses for injuries sustained in an automobile accident, and the amount varies from policy to policy.  Payments are made for costs that are actually incurred by the injured person.  If you carry PIP on your automobile it applies to all autos you insure, and companies charge a premium for every auto.

PIP does not cover injuries caused by using farm equipment, recreational or off road vehicles, mopeds or motor cycles (PIP coverage is available on motorcycle policies).  It will not cover intentional injuries to the insured person or if the person is injured in organized racing activities or committing a felony.

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