Should You Use Your Own Personal Injury Protection (PIP) On Your Car Wreck Claim?
This is a question I get from some of my new clients after they have been in some sort of an auto accident somewhere here in the Fort Worth Arlington area. The short answer to that is: yes, you absolutely should. PIP insurance is No-Fault insurance which you carry on your own automobile policy and it provides reimbursement to you (and any passenger in your car), for medical expenses and for documented wages up to the amount of the PIP coverage. In Texas, each insurance company must offer at least $2,500.00 in PIP coverage, but you can buy more. In order to turn down this coverage, you must reject it in writing.
The reason that PIP coverage is so good is that you are not penalized in any subsequent claim against the responsive party if you use PIP coverage. In other words, you can recover from the responsible party’s insurance company (if they were indeed at fault) and you can also recover on your own policy. You can also even use health insurance to pay for your bills, therefore utilizing yet a third type of insurance.
Some people are reluctant to make a PIP claim on their own policy, but it is against the law for an insurance company to raise your rates or drop you solely because you make a PIP claim. The reason, this is a no-fault claim. You can make this type of claim regardless of whether you were at fault or somebody else was responsible for your injuries.
So to me, a lawyer who focuses solely on personal injury, this is a no brainer. If you were fortunate enough to pay for the PIP coverage (and it is very cheap), you should definitely use it if you have been in an automobile accident.
Information provided by Fort Worth Arlington, Texas Board Certified Injury Attorney Mark A. Anderson, who can be contacted at 877 294 1115 or by clicking here.
