How Do I Receive PIP Insurance in Texas?
Personal Injury Protection (PIP) insurance is a coverage sold as part of an automobile policy in Texas. It pays for your medical and rehabilitation expenses after an accident, regardless of whether you were at fault. PIP is designed to provide funds quickly, since your insurance company does not have to investigate your claim to determine who caused the accident. All auto insurance companies doing business in Texas must give you the option to purchase at least $2,500 of PIP coverage.
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Instructions
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Talk to your agent about PIP coverage when you purchase your automobile insurance policy. While most agents include PIP as part of a basic quote, some agents gloss over this coverage and then provide quotes based on "liability only" coverage, which may not include PIP.
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Decide how much PIP coverage you want to include, and make sure your insurance company offers that level of coverage you need. The $2,500 minimum may come with a low premium, but it will not go very far if you are injured in an auto accident. Choose the highest PIP limits you can comfortably afford.
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Purchase your auto insurance policy, complete with PIP insurance coverage. Ask your agent for a Declarations Page, which shows the coverages you have purchased, as well as the limits for each coverage. If there is a dispute over coverages after an accident, you can produce the Declarations Page to prove that you have purchased PIP insurance.
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Tips & Warnings
Shop around for the best deal on PIP insurance in Texas. The Texas Department of Insurance does not require all companies to charge the same rates for coverage, so you can typically save money by contacting several agents or companies.
