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Personal Injury Protection (PIP) is incredibly useful coverage when you've been involved in an accident whether you or someone else is at-fault. It is often called “no-fault” coverage because it pays out claims to the insured regardless of who is at fault in the accident.
Why should you include PIP on your insurance policy? Because it can help cover some of your lost wages and medical bills or expenses incurred whether you caused the accident or not. Liability coverage only pays for damages you cause to other people and Uninsured or Underinsured Motorist coverage will only cover your medical expenses if you did not cause the accident.
Be wary of any insurance agent that tries to sell you a "full coverage" insurance policy. "Full coverage" is a meaningless term as far as insurance coverage goes.
In Texas, insurers are required to offer PIP when purchasing an insurance policy OR they must obtain an authorized signature from the policy holder rejecting the coverage. One caveat is that if there is no signed written rejection, you are covered. It is up to you to reject this coverage.
$2500 is the minimum amount of PIP coverage that auto insurance companies are required to provide. Depending on the company you choose, you can select up to $10,000 or more in PIP coverage if requested. We recommend that you obtain as much PIP coverage as your insurer will sell you due to the astronomical costs of medical care.
Unfortunately, many Texans often do not include this beneficial coverage on their policies because they are unaware that:
The attorneys at Stanley & Associates recommend that drivers include Personal Injury Protection in their auto insurance policy. Due to the rise in the cost of medical bills, we recommend that you carry $10,000 in coverage or more. Even the minimum $2500 can help with out-of-pocket expenses from your injuries.
Jacob is a compassionate, no-nonsense personal injury attorney. Rest assured, he will fight for the best outcome possible for your injuries.
Dustin practices law for the individual because people need a strong voice in their corner.
Our firm provides its clients with knowledgeable, personalized representation in the following practice areas: Auto Accidents, Work Accidents, Dog Bites, Premises Liability (slip and fall cases), and more.
We know that money is a big deciding factor when choosing an attorney, which is why we don't take payments from our clients up-front. We only get paid when YOU get paid!
Insurance companies are not looking forward to helping you get better or paying for your damages. They will say and do anything to avoid paying you what you deserve! Hiring an attorney is a great motivator and puts the insurance companies on notice. We're on YOUR side!