What are Personal Injury Protection and Medpay?

By Jan 27, 2019 Posted in Insurance

What are Personal Injury Protection and Medpay?

Car crash on major highway during rainfall at night. Ambulance in foreground and police car in background.

 Personal Injury Protection (PIP)

  • PIP coverage is required by statute to be part of any auto policy written in Texas, unless it is rejected in writing.
  • PIP covers everyone in the insured auto up to PIP coverage limits.
  • PIP will cover every insured regardless of the vehicle they are in.
  • PIP will cover losses incurred within three years of the date of an accident.
  • PIP is available regardless of fault or other available benefits.
  • If PIP benefits are not timely paid (within 30 days) attorney’s fees and interest are recoverable.
  • PIP coverage will pay medical bills, reimburse you for out of pocket coverage and reimburse you for lost wages.
  • You do not have to pay your insurer back for the money you received from PIP.
  • The PIP carrier must pay “reasonable expenses that are for necessary medical services”. This means that the carrier can pay less than what the medical provider billed.
  • PIP covers 80% of lost income.
  • PIP coverage limits are often $2,500, but may be $5,000, $10,000 or even higher. PIP coverage is generally affordable and can help offset out of pocket costs.



  • Medpay covers only medical expenses, and you may have to pay it back.
  • Medpay has no statutory basis and no legal restrictions on its terms.


The lawyers at Wham & Rogers can help with your PIP claim.  Call us at 832-592-1108, or fill out a form on our contact page:


The information in this blog is not, nor is it intended to be legal advice.  You should contact an attorney for advice regarding your individual situation.  Contacting us does not create an attorney client relationship.  Please do not send any confidential information to us until such time as an attorney client relationship has been established.



Contact Us

1790 Hughes Landing Blvd., 400
The Woodlands, TX 77380
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Phone: (832) 592-1108

By Appointment in Spring:
24624 Interstate 45 North, Suite 200, Spring, TX 77386

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