Personal injury is a legal term that refers to any physical or mental harm caused to a person as a result of another person’s negligence or intentional action. Personal injury claims can arise from a wide range of situations, including car accidents, so understanding your options for motor vehicle insurance is very important. People who are looking for vehicle insurance that includes personal injury protection coverage can get insurance quotes from providers who have competitive rates for their quality insurance coverage.
Personal injury protection (PIP) is a component of an automobile insurance plan that covers the healthcare expenses associated with a car accident. It is also known as “no-fault insurance” as it covers you regardless of whether or not you are found to be responsible for the accident. PIP can cover various accident-related costs for both you and your passengers. Some of the expenses covered by PIP include the following:
- Transportation to the hospital by ambulance
- Medical bills for imaging (e.g., X-rays, MRIs, etc.)
- Medical bills for surgeries and other clinical treatments for injuries resulting from the accident
- Medical bills for extended physical therapy and/or any other rehabilitation services
- Any costs for hiring at-home caregivers during recovery
- Lost wages due to absence from work because of injuries
- Childcare expenses
- Death benefits to cover certain funeral costs if required
Many states require personal injury protection under the law, but is personal injury protection required in Texas? No! PIP insurance is not mandatory in the Lone Star State, but insurance companies in Texas are required to offer it. Most insurance companies include PIP coverage by default, so you have to actively decline it in writing if you choose not to have it. That said, PIP is a smart investment because additional protection could be significant in case you are involved in an accident. You can get a Texas PIP application form to add it back to your auto insurance policy if you have previously declined it.
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A Texas personal injury attorney provides legal counsel and representation to those who have been involved in a vehicle accident and harmed by a negligent driver. An attorney can help people recoup financial losses that result from these personal injury incidents. An attorney will help recover losses that a PIP insurance policy will not cover. Working with an experienced attorney who can guide you through each step of the process is key when it comes to you obtaining fair compensation.
After being involved in a car accident, it is important to speak with an experienced personal injury attorney like Brian Erskine of Erskine Law to determine your legal options and to ensure that your rights are protected. Mr. Erskine has years of experience handling personal injury lawsuits and is committed to providing the best possible legal advice and guidance for every client he serves, working hard to reach the most favorable outcome possible in every case. If you are in the Austin, Texas area and have questions regarding personal injury protection or just about making a personal injury claim, you should contact Erskine Law today.