How to Fill Out the Application for No-Fault Personal Injury Protection Benefits in Texas
Personal injury protection is a mandatory aspect of Texas automobile insurance. The insurer must be informed in writing if the benefit is declined. Personal injury protection covers lost wages and medical expenses of all vehicle occupants involved in an accident, regardless of fault. If medical expenses were paid by medical insurance and damages were recovered by the insurance company, a personal injury claim can still be filed. Carefully document all information immediately following the accident to build a solid claim.
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Things You'll Need
- Accident Documentation
- Proof Of Wages
- Proof Of Medical Expenses
- Personal Injury Lawyer
Instructions
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Obtain a personal injury lawyer. Your auto insurance company will assign an insurance adjuster to the case to collect accident information. The adjuster protects insurance company interests and works to settle claims for the smallest amount. A personal injury lawyer seeks awards in accordance with documented lost wages and medical expenses. The attorney is almost always paid a percentage of the total amount recovered. Carefully research multiple attorneys before deciding on who will handle the case. Personal injury claims must be filed within two years of a Texas automobile accident.
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Provide required documentation. Submit copies of witness statements, photographs and medical documentation. Verify income with paystubs and tax returns. Provide solid evidence to support the claim. Discuss acceptable benefit amounts with the attorney.
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Wait for the claim to be processed. The attorney works with the insurance companies of both accident parties to reach a settlement offer.
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Receive a check. The insurance company processes a check twenty to thirty days after medical treatment is received. If the settlement is rejected, another month is required for additional negotiations. Typically, personal injury benefits are received eight to twelve weeks after medical treatment. If the claim is rejected, the claim is filed in a court of law and a jury decides if payment should be issued. The minimum amount of personal injury compensation allowed by Texas law is $2500.00.
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References
- The Hartford: Personal Injury Protection Insurance: Determining Your Limits For Personal Injury Protection
- Texas Accident Injury Lawyers: FAQS: #5: How Long Do I Have To File An Injury Claim In Texas?
- Injury Lawyers Of Corpus Christi Texas: Filing A Personal Injury Protection Claim Following A Texas Car Accident
- Steele Law: FAQS: #7:Q: What Should I Bring With Me For My Free Consultation With Steele Law?
Resources
- Photo Credit wrecked car image by hazel proudlove from Fotolia.com
