If you were in an accident, there are many potential sources for compensation. One is your own Houston auto personal injury protection from your insurance. This is a type of insurance coverage that can help cover many of the costs after an accident, whether you were a victim of another driver’s negligence or whether you were at fault for the accident. In this article, we’ll discuss some things you should know about personal injury protection (PIP) and how an attorney can help with your claim.
What is Houston Auto Personal Injury Protection?
So, what exactly is Houston auto personal injury protection? Also known as PIP, this is a type of coverage you might have through your auto insurance policy. It is a type of no-fault coverage, meaning you can make a claim regardless of who is at fault. This is different from things like underinsured or uninsured motorist coverage, which require the other driver to be at fault for the accident to get a payout from your claim. It’s also different from liability insurance, which covers the other party’s expenses if you’re at fault for an accident. For instance, it would help with medical expenses and property damage if you hit another driver while driving negligently. Instead, personal injury protection coverage pays you money for a claim whether you’re at fault or another person is.
What Does Houston Auto Personal Injury Protection Cover?
Houston auto personal injury protection can cover many of your expenses after a car accident. Generally, it’s only if you have been injured in a car accident. This type of coverage can provide money for your Houston traffic accident medical expenses, lost wages, and other expenses related to the accident.
When it comes to medical bills, PIP coverage will pay up to 100%, while with lost wages it will typically only cover 80%. In the case of a death, it will also usually pay up to 100% of funeral and burial costs and may offer survivor’s loss benefits.
However, it’s important to note that it won’t cover many other things. For instance, PIP coverage usually excludes:
- Property damage
- Other people’s expenses (this is what your liability coverage is for)
- Expenses for accidents while you’re actively committing a crime (like a robbery or driving under the influence)
- Expenses for accidents when you’re driving to get paid (like while giving an Uber ride)
Your policy will have specific guidelines and exclusions, so you should read through it thoroughly or talk to your insurance agent to make sure you fully understand what’s covered before you get into an accident.
Houston Auto Personal Injury Protection Coverage Limits
Like other types of coverage for your auto insurance, Houston auto personal injury protection does have limits on the amount the insurance will pay. That means that a PIP claim will only pay out a certain amount, even if your expenses exceed that amount.
For instance, insurers in Texas are generally required to offer you at least $2,500 in PIP coverage. This means that your personal injury protection coverage will pay a maximum of $2,500 for the accident. If your expenses are more than that, then you will need to cover the rest.
In addition, you can get higher coverage amounts for higher monthly premiums on your insurance. While this coverage is typically pretty cost-effective, it will add to your monthly bills. Therefore, it’s important to weigh the pros and cons of higher Houston auto personal injury protection coverage for your vehicle.
Who Has Houston Auto Personal Injury Protection Coverage?
Wondering if you have PIP coverage on your insurance plan? There’s a good chance that you do. Texas laws require insurance companies to offer Houston auto personal injury protection to all their customers. This required coverage must be a minimum of $2,500. Generally, insurance companies will automatically include it in an insurance policy and you have to opt out in writing to remove it from your policy. This can lower your monthly premium, but may also leave you unprotected in many different types of accidents.
How Does a PIP Claim Work?
Houston auto personal injury protection claims work similarly to any other insurance claim. After an accident, you file a claim with your insurance company, submit evidence for the accident, and also provide documentation that backs up how much you’re seeking.
For example, let’s say you were in a Houston rear end collision where you were at fault. You didn’t stop in time to avoid hitting the driver in front of you and now you’re suffering from a neck injury. In this case, you can typically go through your PIP coverage to get compensation for your medical expenses and lost wages from your injuries.
For your claim, you will reach out to your insurance company as soon as possible to let them know about the accident. Afterwards, you can file a claim under your PIP insurance coverage. An insurance adjuster will be assigned to your case and they’re responsible for investigating the claim and talking to you to come to an agreement on a settlement amount or deny your claim if it goes against the policy coverage.
Do I Need a Lawyer for My Personal Injury Protection Claim?
After a car accident, you probably know that hiring a Houston auto personal injury lawyer can help you fight for fair compensation against the other driver’s insurance company. However, what about when it’s your own insurance? Do you really need a lawyer when you’re the insurance company’s customer? Unfortunately, the answer is often yes, as your insurance company may try to avoid paying you a fair settlement for your personal injury protection claim.
Remember the Insurance Company Isn’t On Your Side
It’s a common misconception that your own insurance company will look out for you. This simply isn’t true. Insurance companies are for-profit businesses who want to maximize profits and keep costs low. This means paying as little as possible for all claims that come through. Therefore, always remember that the insurance company is looking out for their profits and their shareholders, not you, their customer. Even if the adjuster seems empathetic to your issue, always keep in the back of your mind that the insurance company isn’t here to protect you. Therefore, it may be best to hire a trusted lawyer for your claim.
How an Attorney Can Help with Your Houston Auto Personal Injury Protection Claim
Hiring an attorney for your insurance claim means you get legal advice and experience for your claim. Your attorney can assist with everything from gathering evidence and submitting paperwork to negotiating with the insurance adjuster for a fair settlement amount. When you hire a lawyer to help with your PIP claim, you know that your claim is in the hands of an experienced legal professional whose goal is to get you maximum compensation for your claim.
DeSimone Law Office – Your Attorneys for Life
Our team at DeSimone Law Office is here to help you win your case after a car accident. We offer legal services for car crash insurance claims and lawsuits to help you get the compensation you deserve. We have a proven track record of success for our clients and are so sure we’ll win your case that we ask for $0 until you get compensation for your accident. Get in touch now to schedule a free case evaluation with our attorneys!