What Is Personal Injury Protection (PIP) in Texas?

Personal Injury Protection, or PIP, is a type of no-fault insurance available in Texas. Unlike liability coverage, PIP pays certain expenses regardless of who caused the accident—even if you were the one at fault.

In Texas, PIP generally covers medical bills that you incur as a result of a car accident. Coverage amounts typically start at $2,500, with options to increase to $5,000 or $10,000 depending on your policy.

PIP is not required by Texas law, but insurance companies must offer it. If you choose not to carry PIP, your insurance company must have a signed rejection from you. If they cannot produce proof of rejection, you may still be entitled to at least $2,500 in PIP coverage.

Because PIP operates on a no-fault basis, you can often submit your medical records to your insurance company and receive reimbursement directly. However, policy terms vary, and coverage can be limited or depleted if used more than once within a certain period of time.

That’s why it’s important to have an experienced personal injury attorney review your insurance policy. An attorney can make sure you receive the full benefits of your PIP coverage and identify any additional sources of compensation in your injury case.