Personal Injury Protection Insurance (PIP)
Houston Car Accident Lawyer
Texas requires all motorists to pay for the accidents they cause, which is typically done through purchasing auto liability insurance. To meet the state’s requirements for financial responsibility when purchasing auto insurance, drivers must have minimum limits of $30,000 for each injured victim, up to $60,000 per accident, and $25,000 for damage to property. This is known as the 30/60/25 minimum basic insurance.
Unfortunately, minimum insurance limits don’t always provide the amount of compensation needed to pay for damages suffered by injured victims – especially with the high costs of medical care, or when individuals suffer catastrophic injuries and considerable losses. To make up this difference, victims may sue at-fault drivers to collect, but that method may not be viable if drivers have little to no money to cover the costs themselves. In order to protect yourself from incurring costs associated with injuries suffered in car accidents, you can purchase personal injury protection (PIP) coverage. Most motorists in Texas have this coverage, but are unaware of how it works.
At The Daspit Law Firm, our Houston car accident attorneys help victims understand their right to a recovery of their damages, as well as how their own insurance policy may provide an additional resource for compensation – especially when it comes to PIP insurance. With decades of combined experience and a background in insurance defense, our legal team has the tools and resources to maximize financial recoveries for clients.
Discuss your car accident and right to compensation when you call (888) 273-1045 for a FREE consultation.
How PIP Coverage Works
Personal Injury Protection insurance is no-fault coverage, meaning it pays for medical bills and / or lost income resulting from auto accidents, regardless of who is at fault. Not only can it make up for expenses that exceed minimum insurance limits carried by at-fault drivers who caused your wreck, it can also be paid before any resolution is reached in your personal injury case – which can ease burdens while your case is pending.
There are no limits or pre-established amounts for PIP coverage. However, insurance companies typically offer it in $2,500, $5,000, or $10,000 increments. This amount applies to each occupant of your vehicle who suffers injuries in a wreck. If you purchase $10,000 in PIP coverage, and you and two passengers are injured in a collision, you and each victim could recover up to $10,000 for damages.
Making Sure Insurance Companies Play by the Rules
As a firm that focuses exclusively on advocating for victims harmed in all types of preventable auto accidents, we know insurance companies care more about profits than they do people – even if those people are policy holders with their company. As such, it is not uncommon for an insurance company to unreasonably delay, dispute, or deny your PIP claim. When this is the case, working with attorneys who have experience dealing with insurers and handling injury claims is vital to fighting back and recovering what you are rightfully entitled to under your policy.
In addition to fighting for PIP benefits, our legal team also works zealously to level the playing field with insurance companies handling claims or lawsuits against their at-fault policy holders – including the at-fault driver who caused your accident. By leveraging our experience and the insight of Attorney John Daspit, a former insurance defense lawyer, we work to secure the maximum compensation possible for injuries and damages you suffered through no fault of your own, including:
- Medical expenses and future medical needs
- Lost wages, lost future income, and diminished earning potential
- Pain and suffering and emotional injuries
- Disabilities or physical impairments
Call (888) 273-1045 for a FREE Consultation
Protecting yourself from the unexpected is critical to having the resources you need when accidents and injuries occur. This is why we always urge drivers to purchase forms of protective insurance coverage, including PIP coverage and UM / UIM coverage should they be injured by uninsured motorists. In any case where you are dealing with an insurance company to recover your damages, whether through a personal injury claim and / or a PIP claim, working with a proven lawyer can make all the difference.The Daspit Law Firm is available 24/7 to help you learn more about your rights, insurance coverage issues, and how we can help you recover the compensation you deserve. Contact us at (888) 273-1045 to speak with a member of our team during a FREE consultation