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 known as personal injury protection (PIP) coverage. Personal injury protection coverage places an important role in Denton car accidents as it can ensure the injured party is compensated, even if they are partially responsible for the wreck. A hardworking local attorney could explain how to get the most from your PIP coverage.
Drivers in Denton, and throughout the state of Texas, are required to obtain a minimum amount of personal injury protection coverage unless they have signed off the insurance company saying they do not want it. This is not recommended as PIP coverage is great for the insured, while bad for the insurance company.
The minimum required amount of PIP coverage is only $2,500.00. While this could provide some source of immediate funding after a vehicle wreck, it usually encouraged that drivers buy more if they can. Local attorneys often recommend Denton 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.
