What is Personal Injury Protection, and Do I Need It?

Published: March 27, 2025

When you’re signing up for insurance, you may see Personal Injury Protection (PIP) as an option. Since it isn’t required in Texas, it may be tempting to refuse the additional coverage to keep monthly premiums low. However, that could be a devastating decision. So, what is personal injury protection? Do you really need it? Let’s break it down.

What is Personal Injury Protection?

PIP is an additional insurance coverage option that protects you, as the policy owner and driver. If you are injured in a car wreck, your PIP coverage will cover injuries, regardless of whether you were at-fault or not, or if the other driver’s insurance isn’t sufficient to cover all your medical expenses.

Not only does PIP protect you, the policy owner, but it also extends to your passengers. While medical coverage is a huge benefit, PIP coverage can also cover up to 80% of lost wages, easing financial stress if you or a passenger are unable to work due to injuries. Beyond that, if you or a passenger need a nurse or caretaker to assist in your recovery, PIP can also help cover the cost.

What Happens If I Don’t Have It?

Texas insurance laws don’t include PIP as required coverage. However, waiving this option could leave you in a vulnerable financial state. You might find that your medical bills are not fully covered, especially if you are found at-fault for the crash. If you are not at-fault, but the other driver has a limited policy, PIP can protect you from hefty out-of-pocket expenses.

Aside from medical expenses, you miss out on the additional financial security PIP provides. Without it, you may not be reimbursed for lost wages or receive financial support in case of extended care or funeral expenses. While you won’t face legal implications without PIP, you may have additional financial strain.

How Do I Use My PIP Benefits?

To utilize your PIP benefits effectively, it’s important to keep detailed records of all expenses related to the injury. This includes medical bills, receipts for medication, proof of lost wages, and bills for additional care. Due to the statute of limitations in Texas, filing your claim promptly is crucial.

If you were injured in a crash and want to use your PIP benefits, we recommend you speak with a qualified personal injury attorney. A car crash lawyer can determine every avenue available for insurance coverage and help maximize your settlement. If your insurance denies coverage or downplays your injury, they can help you file a lawsuit – even against your own insurance policy.

While PIP may not be mandatory, it offers benefits that could protect you financially in the event of a crash. Understanding your insurance options and making informed decisions is crucial for your peace of mind and financial security.

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What is Personal Injury Protection, and Do I Need It?