How Does PIP Coverage Work?
- August 21, 2014
- Car Accidents
What is PIP Coverage?
Personal injury protection, or PIP, is a type of car insurance coverage. Regardless of who is at fault, PIP will cover the medical costs of all car accident involved. Personal injury protection offers a way for victims to receive the medical care they need in a timely manner.
How to Recover Using PIP Coverage
If you have been injured in a Dallas car accident, you are more than likely left wondering how you are going to pay for your medical bills and offset your lost wages. This is where PIP coverage comes in. There are a few ways PIP can pay out, but remember, PIP will only pay to the limit you have set in your insurance policy.
Sidenote: In Texas, all insurance companies must offer personal injury protection and you must decline it in writing if you don’t want it. We highly recommend you choose to include PIP coverage.
PIP Coverage for Medical Bills
One of the main uses for PIP coverage is tot pay for medical bills. You can choose to have your personal injury protection paid directly to your medical providers. You can also have your PIP money sent directly to you and pay your medical providers yourself.
Another options is to inform your hospital and other providers of your personal injury protection upfront. They will then send all charges to your insurance company and take much of the hassle of your hands, so you can focus on your physical recovery.
PIP Coverage for Lost Wages
A sometimes overlooked consequence of a car accident injury is the loss of your ability to work. This loss of income can have severe life-altering effects. Fortunately, your PIP can cover your lost wages up to 80 percent of what you normally earn.
To recover lost wages using personal injury protection, you will need to show proof to your insurance company. This can often simply be a pay stub. Other times, you will need to provide a written statement detailing the amount of time missed and how much income was lost. Either way, this coverage can go a long way toward helping you get back on your feet.
Does the Other Driver Pay for my PIP?
Whether or not the at fault driver has to reimburse you for your PIP is complicated. Short answer is there shouldn’t be a reduction in your claim recovery from the other driver due to any personal injury protection you received. You do NOT have to disclose whether or not you had PIP coverage. Think of PIP as an extra coverage you chose to pay for.
How our Attorneys Can Help
Dealing with PIP coverage is just the tip of the iceberg following a car wreck. Auto accident claims can be extremely complicated, especially if serious injuries are involved. The car accident attorneys of Guajardo & Marks, LLP have extensive experience handling countless accident claims and will ensure you not only get the medical care you need, but the compensation you deserve.
If you or a loved one have been injured in a car wreck or have questions about PIP coverage, call 972-774-9800 for your free consultation.