PIP Claims (Personal Injury Protection)

Galveston Car Accident Lawyers Fighting for Maximum Compensation

Auto accidents are unpredictable, as are their impact on the lives of victims who suffer preventable injuries. Fortunately, if you or someone you love has been injured in a car accident caused by another driver’s negligence, our civil justice system affords you the right to pursue financial compensation for your losses through a personal injury claim. These claims are typically handled by the insurance companies with whom at-fault drivers have purchased auto insurance.

Because Texas only mandates drivers to purchase minimum auto liability insurance, there are times when such coverage proves insufficient to cover all the damages victims incur. This is especially true given the rising costs of medical treatment, and in cases where victims have suffered serious or even catastrophic injuries. When at-fault drivers are underinsured, it can create new challenges for victims that need to make up the difference in insurance gaps.

At The Daspit Law Firm, our Galveston car accident attorneys have dedicated their careers to helping injured auto wreck victims level the playing field with insurance companies. While we always fight aggressively to pursue full and fair recoveries in personal injury cases, we also have the experience to help victims when there are coverage issues – meaning that at-fault drivers don’t have enough insurance to cover all of their damages. This often involves filing claims through other avenues, including a victim’s own Personal Injury Protection (PIP) coverage.

Have questions about your right to compensation following a car accident? Call our legal team at (888) 221-2437 for a FREE consultation. We’re available 24/7!

What is PIP Coverage?

Personal Injury Protection is insurance coverage all insurance providers in Texas are required to offer their customers. As an additional form of auto insurance coverage, similar to uninsured motorist coverage (UIM), it is designed to further protect injured drivers and passengers when their wrecks are caused by motorists who don’t carry enough insurance to cover their claims. Typically, it is offered in increments of $2,500 or $5,000, and applies to every individual (driver or passenger) injured in a wreck.

Here are a few important facts about PIP coverage:

• No-Fault Coverage – One of the most significant aspects of PIP coverage is that it is a form of no-fault insurance. This means that insurance pays victims regardless of who is at fault for a wreck. During the personal injury claim process, which is a claim that pays based on negligence and can take time to resolve, securing funds through PIP coverage can help ease financial burdens incurred by victims and their loved ones while their personal injury case is pending.
• Make Up the Difference – In addition to providing no-fault coverage immediately after a wreck, PIP insurance can be a critical safety net when victims are injured by drivers who carry only minimum liability coverage (30/60/20 in Texas) or drivers whose policies don’t make up for the full amount of damages victims suffer. Pursing a PIP claim in addition to a personal injury claim can help victims make up the difference.
• Damages – Personal Injury Protection provides payment to victims for the damages they incurred in auto accidents. Although it doesn’t cover all damages covered in personal injury cases (such as a victim’s pain and suffering) it does cover certain economic damages, such as medical expenses, the costs of hospital or ambulance services, nursing expenses, and funeral or burial costs in cases involving wrongful death. It also covers 80 percent of a victims lost income, which is typically caused by their time lost from work when recovering from their injuries and seeking treatment.

PIP coverage is certainly an important safety net, and a form of insurance all motorists should consider purchasing to protect themselves from the unexpected. However, it must be remembered that insurance companies are still corporations, and as such have a vested interest in paying victims as little as possible. This is why it becomes important to work with proven injury attorneys who have the experience, insight, and resources to ensure insurance companies handle claims fairly and pay victims what they rightfully deserve.

Discuss Your Right to Compensation When You Call The Daspit Law Firm

Led by Firm Founder John Daspit, a former insurance defense attorney, our legal team has a unique level of insight into how insurance companies handle claims and pay victims. With this background and decades of collective experience, we help clients navigate all aspects of the personal injury claim process and any other available avenue for compensation, including Personal Injury Protection claims.

Following a wreck, the most important thing you can do to protect your right to compensation is to immediately speak with an attorney. Our lawyers are available 24/7 to help, and offer evening and weekend appointments for your convenience, as well as home and hospital visits if you are unable to make it to us. Learn how we can help you when you call (888) 221-2437 for a FREE consultation.

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