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What is Personal Injury Protection (PIP)?

Personal injury protection (PIP) is a “no-fault” form of coverage, meaning that some of the medical expenses of the policyholder and others in the policyholder’s care may be recovered by insurance, regardless of which driver is at fault.

While some states require all drivers to carry PIP, Texas only requires that PIP coverage be offered to a consumer who purchases liability insurance. There is no requirement that the consumer purchase PIP coverage.

If a Texas driver does opt for PIP coverage, the policy may pay as much as 80% of medical and other expenses that resulted from the accident, depending on the limits of that individual policy. PIP can be applied to medical treatment for any injuries suffered by you as a driver, injuries suffered by passengers in a vehicle you are driving, and even injuries you may incur as a passenger in another’s car or as a pedestrian.

Beyond medical expenses, PIP may also cover:

  • Service replacement of someone injured in a covered car accident
  • Costs associated with rehabilitation and physical therapy
  • Lost wages
  • Child care
  • Household maintenance
  • Funeral costs

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