What Is PIP Insurance in Texas?
PIP is first-party, no-fault coverage on your own auto policy. It pays certain losses for you and covered passengers after a crash, regardless of who was at fault.
Texas is an at-fault state, so the driver who causes a crash is responsible for the damage. PIP fills the gap while that claim is pending, so you do not have to wait for fault to be settled before some bills get paid.
Is PIP Required in Texas?
Insurers must offer PIP, but you can turn it down. Under Insurance Code Chapter 1952, Subchapter D, every auto liability policy must include at least $2,500 in PIP unless the policyholder rejects it in writing.
You can usually buy higher limits. Check your declarations page, or ask your agent, to confirm what you have.
What Does PIP Cover?
PIP pays:
- Medical expenses from the crash, such as ambulance, emergency room, doctor, and therapy bills
- Lost income, up to 80% of what you lose while unable to work
It generally applies to you and your passengers, up to your policy limit.
What PIP Does Not Cover
PIP is limited, and it does not cover:
- Pain and suffering or mental anguish
- Property damage to your vehicle
- Medical bills and lost income above your PIP limit
With a $2,500 limit, a single emergency room visit can use up most of the coverage.
How PIP Affects Your Car Accident Claim
For serious injuries, PIP is only the first step. You can also file a liability claim against the at-fault driver’s insurer for your full economic and non-economic damages.
A few tips:
- Report the crash to your insurer promptly and request PIP forms.
- Keep every medical bill and proof of missed work.
- Do not let a quick PIP payment stand in for a full claim.
Most Texas injury claims must be filed within two years. If you were hurt in a Fort Worth crash, a car accident lawyer can review your coverage in a free case review.
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Frequently Asked Questions
Is PIP required in Texas?
Texas does not force drivers to keep PIP, but insurers must offer it with every auto liability policy. Coverage of at least $2,500 is included automatically unless you reject it in writing. Check your declarations page to see whether you have PIP and how much.
Does PIP pay if the accident was my fault?
Yes. PIP is no-fault coverage, so it pays your medical expenses and part of your lost income whether you caused the crash, the other driver did, or fault is unclear. That makes it one of the fastest sources of money after a wreck.
Can I use PIP and still file a claim against the at-fault driver?
Yes. Texas is an at-fault state, so you can use PIP for early bills and still pursue the at-fault driver's liability insurance for your full losses, including pain and suffering. A lawyer can help make sure the claims are coordinated correctly.