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PIP Insurance Coverage in Texas

Personal Injury Protection & Victims’ Right to Compensation

Personal injury claims are filed by victims who suffer injuries in preventable accidents, including car accidents caused by the negligent or wrongful acts of other drivers – including those who drive distracted or operate their vehicles while intoxicated. These claims are essential to providing victims with the opportunity to hold an at-fault driver liable for the damages they incurred, including their pain and suffering, medical bills, lost wages, and more. Unfortunately, especially in the case of drivers who lack sufficient insurance coverage, personal injury claims may not provide all the compensation victims need to cover their damages. When this happens, victims may need to pursue other avenues for a recovery, including Personal Injury Protection (PIP) insurance coverage.

In Texas, many motorists have PIP coverage as part of their auto insurance, but are unsure as to how it works. By enlisting the help of proven lawyers, such as the Austin car accident attorneys at The Daspit Law Firm, injured drivers and passengers can better understand this form of insurance coverage and how it can help them in situations where they are injured by drivers who don’t carry enough insurance.

Backed by decades of combined experience and the insight of Founder John Daspit, who began his legal career in insurance defense, our legal team knows how to handle the complex insurance issues involved in representing injured victims. In every personal injury case, we fight aggressively for full and fair recoveries, and also help victims navigate the steps needed to pursue compensation through other means, including uninsured motorist (UM) claims and PIP claims.

Discuss your right to compensation after an auto wreck with an Austin car accident lawyer from The Daspit Law Firm. Call (888) 568-8976 24/7 for a FREE and confidential consultation.

Understanding Personal Injury Protection Coverage

By Texas state law, insurance companies must offer Personal Injury Protection coverage to customers who purchase auto insurance. This form of coverage is provided in addition to liability insurance, and it can protect drivers and passengers in the event that they are injured in auto accidents. Here are some important facts you need to know about PIP insurance and why it can help when it matters most:

  • PIP is No-Fault Coverage – Personal Injury Protection is no-fault insurance coverage, which means it pays out victims no matter who is responsible for causing a wreck. As personal injury claims are based on negligence, recoveries are contingent on proving fault. The process can also take time to resolve. While injury claims are pending, victims may have already incurred financial burdens that threaten their well-being. As such, seeking payment through a PIP claim can ease these burdens and provide some funds soon after a wreck.
  • Insurance Gaps – Personal Injury Protection works much like uninsured motorist coverage in that it acts as a type of safety net that can help injured victims when they are harmed by motorists who carry only minimum liability insurance (or 30/60/25 coverage in Texas). Often this minimum liability coverage does not cover all the damages victims suffer, especially if those victims suffer serious or catastrophic injuries, wrongful death, or otherwise incur extensive costs and losses. As such, PIP claims can help make up the difference in policy gaps, and will be paid to each vehicle occupant (passenger or driver) based on the amount of coverage purchased (the full amount can be paid to each injured vehicle occupant, depending on their damages).
  • Covered Damages – Personal injury claims allow victims to recover both economic and non-economic damages, and are therefore the most robust form of recovering compensation after a preventable wreck. However, rising costs of medical treatment and lost earnings are often the most significant damages victims sustain after wrecks. Through a PIP claim, these damages can be recovered, including medical expenses, funeral costs, hospital or nursing services, and 80% of lost income.

Our legal team routinely advises Texas residents to consider purchasing Personal Injury Protection, as well as additional coverage like UM insurance, as it can provide a viable source for compensation when the unexpected occurs – especially when drivers don’t carry enough insurance. However, we know that victims still require experienced representation to handle PIP claims and their personal injury cases, given the fact that insurance companies are zealous in their efforts to deny and dispute claims, and pay victims as little as possible. Because we care about our clients and their futures, we work to fight back against insurance companies and secure the maximum compensation possible.

Request a FREE Case Evaluation 24/7

The Daspit Law Firm knows auto accidents can happen at any time, and that unexpected issues (including underinsured drivers) can make for complications in their fight for full compensation. As such, we are available 24/7 to help victims throughout Austin and the state of Texas when they need to navigate their legal journeys after car wrecks and fight for the recoveries they rightfully deserve. We also offer evening, weekend, home, and hospital appointments for their convenience. Get started with a FREE case review by calling (888) 568-8976 today.

We Take Your Fight As Far As It Needs To Go

All too often, accident victims are steamrolled by insurance companies determined to minimize or deny their claims. Don't let this happen to you. Hire us to fight for the compensation you deserve.

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At The Daspit Law Firm, Our Team of Attorneys Handles the Full Range of Personal Injury Cases, Including Car and Truck Accidents, Industrial Accidents, Construction Accidents, Maritime & Offshore Accidents, and Much More.


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The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.

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