What should I add to my insurance policy?

Personal injury protection (PIP) is a type of auto insurance coverage that is available in Texas. It is designed to cover medical expenses and other related expenses that may arise if you are injured in a car accident, regardless of who was at fault for the accident.

In Texas, PIP coverage is optional, but it is offered by most insurance companies. The minimum amount of PIP coverage that you can purchase in Texas is $2,500, although higher coverage limits may be available.

If you purchase PIP coverage, it can provide the following benefits:

 

  1. Medical Expenses: PIP coverage can cover the cost of medical treatment that is needed as a result of a car accident. This can include hospital bills, doctor's fees, and other medical expenses.
  2. Lost Wages: If you are unable to work due to your injuries, PIP coverage can provide a percentage of your lost wages.
  3. Funeral Expenses: If you or a covered family member are killed in a car accident, PIP coverage can help pay for funeral expenses.
  4. Rehabilitation Expenses: PIP coverage can also cover the cost of rehabilitation that may be needed after an accident, such as physical therapy.

 

It's important to note that if you choose to purchase PIP coverage, it will only cover expenses up to the limit of your policy. If your expenses exceed your policy limit, you will be responsible for paying the difference.

It's also important to understand that PIP coverage is not a substitute for liability coverage. Liability coverage is the part of your auto insurance policy that pays for damages or injuries that you cause to others in an accident. PIP coverage is meant to cover your own medical expenses and related expenses if you are injured in an accident, regardless of who was at fault.

In summary, personal injury protection (PIP) is an optional auto insurance coverage in Texas that can cover medical expenses, lost wages, funeral expenses, and rehabilitation expenses if you are injured in a car accident, regardless of who was at fault. While PIP coverage is not required in Texas, it can be a valuable addition to your auto insurance policy.