When people are injured in vehicle collisions, one of the first places they will look for coverage is their auto insurance. One of these coverages is personal injury protection (PIP). Personal injury protection coverage plays an important role in car accidents, as it can ensure the injured party is compensated, even if they are partially at fault. A car accident attorney in Denton could explain how to get the most from your PIP coverage.
Drivers throughout Texas are required to obtain a minimum amount of personal injury protection coverage unless they have signed off with the insurance company stating they do not want it. This is not recommended, as PIP coverage is great for the insured but bad for the insurance company.
The minimum required amount of PIP coverage is only $2,500.00. While this could provide an immediate source of funding after a vehicle wreck, it usually encourages drivers to buy more if they can. Local attorneys often recommend drivers maintain $5,000 to $10,000 in PIP coverage to protect them in the event of a crash. PIP is not subject to subrogation.
This means that nobody but the insured can make a claim against their PIP unless the insured grants permission for them to do so. In addition, PIP covers not only medical bills, but also a significant percentage, 80 percent, of the insured’s lost wages. It is the first line of coverage available in the immediate aftermath of a car wreck.
