What is 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. https://statutes.capitol.texas.gov/Docs/IN/htm/IN.1952.htm Medpay 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: https://www.whamandrogers.com/contact/ The information in this blog is not, nor […]
Tag: automobile insurance
Personal Injury Protection Coverage and How It Works
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, […]
Why You Need Underinsured Motorist Coverage in Texas
Board Certified Personal Injury Lawyer Mark Wham talks about why underinsured motorist protection is so important in the State of Texas.. Wham and Rogers, PLLC – Texas Injury Attorneys (832) 592-1108. Underinsured motorist coverage is possibly the most important car insurance you can buy in Texas. Under Texas law, the minimum allowable liability auto insurance coverage is only $30,000. You can imagine that auto accident victims routinely incur more than $30,000 in losses, damages, and medical expenses. Therefore, if you are seriously injured in an auto accident., then underinsured motorist coverage will provide additional coverage to compensate you for your losses and injuries. Injury Lawyer (832) 592-1108 Call our office for a free consultation. We have offices in The Woodlands and Spring, Tx and help clients in Montgomery County, Harris County, and the Greater Houston area. From Our Blog When are punitive damages available in Texas? Questions to ask your personal injury lawyer. What to do after a car accident that is not your fault.
Personal Injury Protection Coverage in Texas
Personal Injury Protection: How does PIP coverage in Texas compare to MedPay Coverage? Which is better? In this video, The Woodlands and Spring, Tx Board Certified personal injury lawyer Mark Wham explains. Wham and Rogers, PLLC – (832) 592-1108. Personal Injury Protection (PIP) and MedPay are two important types of auto insurance coverage. What Does PIP Cover? PIP covers the driver and all passengers in your car regardless of who is at fault in causing a collision. PIP generally covers reasonable and necessary medical bills. It also covers 80% of lost wages up to the limits of your specific PIP coverage. PIP payments are not subject to subrogation, which means that you can recover your PIP expenses (from the insurance company) and then recover those same expenses from the Defendant driver, without needing to reimburse your insurance carrier. What Does MedPay Cover? Medical Payments Coverage (MedPay) will cover your reasonable medical expenses up to your MedPay limits. However, MedPay does not provide any coverage for lost wages. Unlike PIP coverage, MedPay is subject to subrogation. In other words, if you receive MedPay insurance payments for your medical expenses, then you will have to reimburse your insurance company if those same medical expenses are awarded in your lawsuit settlement. This is why many attorneys will tell you that PIP coverage is actually more beneficial than MedPay coverage. Have You Been Injured? The Board Certified Personal Injury Lawyers at Wham & Rogers, PLLC are here to help. Call our office for a free consultation at (832) […]
Do I Need Uninsured Motorist Coverage in Texas?
Getting hit by an uninsured driver can be traumatic and impose a huge financial burden on you and your family. Uninsured Motorist Coverage can help protect you. Wham and Rogers, PLLC – Texas Injury Attorneys (832) 592-1108. In this video Mark Wham, car accident attorney in the The Woodlands and Spring, Tx, talks about why you may want to consider purchasing uninsured motorist coverage in Texas. Uninsured Texas Drivers Nearly 1/3 of the drivers on Texas roadways do not have valid auto insurance. Many drivers purchase an insurance policy, just so they can get a certificate of insurance, and then stop making the payments. This causes their coverage to lapse. If you get hit by a driver with invalid coverage, then you will wish you had uninsured motorist coverage. Hit & Run Drivers – Flee the Scene When a hit & run driver flees the scene of a collision, it may be impossible to identify who the at fault driver is. Suddenly you find yourself in a situation where there is zero insurance money to be collected for your injuries because (a) you can’t identify the other driver, and (b) you don’t have uninsured motorist coverage. Uninsured Motorist Coverage is Recommended in Texas You can see from the scenarios above exactly why the personal injury attorneys at Wham & Rogers, PLLCrecommend that you purchase uninsured motorist coverage. Uninsured motorist insurance coverage protects you when an uninsured driver injures you or your family. Many people don’t realize that uninsured coverage also applies to a bicycle rider or pedestrian […]