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What is Personal Injury Protection (PIP) Coverage and Why Do I Need it?

What is PIP Coverage?

Personal Injury Protection is an optional coverage that is available for a minimal extra cost to your monthly bill. It is a useful safeguard that covers medical costs in the event of an accident. Many people reject the coverage for the simple fact that it adds cost to your monthly bill. However, that should not be the only reason you decline a coverage. Especially one that can be such a great benefit to you in a time of need. There are good reasons to get the PIP coverage, and good reasons for not getting it. But as a personal injury attorney, I can tell you that more often than not having the PIP coverage can help you in many more ways than it can hurt you. The hope is that you never need it, but when you do, it has been a very effective way for our clients to get extra cost for medical bills that seem to build up after an accident happens.

How Can PIP Help You?

PIP coverage is a type of coverage that pays your medical bills in the event that you are injured in an accident. For PIP coverage to be applied, you must make a PIP claim. Most clients when we tell them that they should make a PIP claim, they say they would rather not because their medical insurance will cover it, and they do not want to be penalized by their insurance company for making a claim. The truth is that PIP claims are a no-fault coverage, which means that you won’t be penalized for taking the PIP coverage when you’re injured in an accident. What it essentially does is helps cover medical bills when the other party’s coverage will not cover the full costs of your medical bills. This is also true regardless of whether you are at fault for the accident, whether you were a passenger, or even if you were a pedestrian.

In addition to that, the PIP will help you get your medical bills paid quicker because it is a “no-fault” coverage, so you aren’t stuck waiting for the insurance company to determine coverage. If you were injured, coverage applies. Simple as that.

If You Were Injured in an Accident and Want to Know About Your Options

If you have been injured in an accident as a result of another person’s negligence, you need to call Guest and Gray today at 972-564-4644! Scott Gray is our Chief of Civil Litigation with over 12 years of experience helping clients achieve their goals, and was recognized as a Rising Star in Texas Super Lawyers® for 2015-2016. We have the knowledge and the tools to get you the results you need to get your life back.

Helping our clients is not just our job, it is our ethical duty and we take that very seriously. Give us the opportunity to provide you with the exemplary service that Guest and Gray provides. You will be so happy you did.