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Category: Personal Injury

Personal Injury Protection Coverage and How It Works

By Oct 18, 2017 Posted in Personal Injury

How do I get Personal Injury Protection coverage? In Texas you have the option to purchase Personal Injury Protection coverage (known as “PIP”) with your automobile insurance coverage. In fact, your auto insurer must offer you the PIP coverage. If you decline the coverage, you must sign a statement refusing the coverage. How much coverage is available under Personal Injury Protection coverage? Personal injury protection usually provides $2,500 to cover your out of pocket medical costs and lost wages due injuries you sustained in an automobile collision, whether you are at fault or another driver is at fault. Some companies offer personal injury protection coverage of $5,000 or even $10,000.00. How much does Personal Injury Protection coverage cost? Personal Injury Protection coverage is affordable. $2,500 in coverage usually costs no more than $50 per year. What is covered under Personal Injury Protection coverage? Medical bills and lost wages are covered under Personal Injury Protection coverage. How do I get reimbursed under Personal Injury Protection coverage? If you are injured in an automobile accident, you can call your agent or insurance company to open a PIP claim. You will be assigned a PIP adjuster to handle your claim. You will need to provide the adjuster with copies of your medical bills and, if applicable, proof of your lost wages. How long does it take for the insurance company to pay my Personal Injury Protection claim? Your PIP adjuster will be able to tell you when to expect your check for reimbursement, […]

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