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Personal Injury Protection

PIP Insurance Coverage in Texas

Personal Injury Protection & Victims’ Right to Compensation

Personal injury claims are filed by victims who suffer injuries in preventable accidents, including car accidents caused by the negligent or wrongful acts of other drivers – including those who drive distracted or operate their vehicles while intoxicated. These claims are essential to providing victims with the opportunity to hold an at-fault driver liable for the damages they incurred, including their pain and suffering, medical bills, lost wages, and more. Unfortunately, especially in the case of drivers who lack sufficient insurance coverage, personal injury claims may not provide all the compensation victims need to cover their damages. When this happens, victims may need to pursue other avenues for a recovery, including Personal Injury Protection (PIP) insurance coverage.

In Texas, many motorists have PIP coverage as part of their auto insurance, but are unsure as to how it works. By enlisting the help of proven lawyers, such as the Austin car accident attorneys at The Daspit Law Firm, injured drivers and passengers can better understand this form of insurance coverage and how it can help them in situations where they are injured by drivers who don’t carry enough insurance.

Backed by decades of combined experience and the insight of Founder John Daspit, who began his legal career in insurance defense, our legal team knows how to handle the complex insurance issues involved in representing injured victims. In every personal injury case, we fight aggressively for full and fair recoveries, and also help victims navigate the steps needed to pursue compensation through other means, including uninsured motorist (UM) claims and PIP claims.

Discuss your right to compensation after an auto wreck with an Austin car accident lawyer from The Daspit Law Firm. Call (888) 568-8976 24/7 for a FREE and confidential consultation.

Understanding Personal Injury Protection Coverage

By Texas state law, insurance companies must offer Personal Injury Protection coverage to customers who purchase auto insurance. This form of coverage is provided in addition to liability insurance, and it can protect drivers and passengers in the event that they are injured in auto accidents. Here are some important facts you need to know about PIP insurance and why it can help when it matters most:

  • PIP is No-Fault Coverage – Personal Injury Protection is no-fault insurance coverage, which means it pays out victims no matter who is responsible for causing a wreck. As personal injury claims are based on negligence, recoveries are contingent on proving fault. The process can also take time to resolve. While injury claims are pending, victims may have already incurred financial burdens that threaten their well-being. As such, seeking payment through a PIP claim can ease these burdens and provide some funds soon after a wreck.
  • Insurance Gaps – Personal Injury Protection works much like uninsured motorist coverage in that it acts as a type of safety net that can help injured victims when they are harmed by motorists who carry only minimum liability insurance (or 30/60/25 coverage in Texas). Often this minimum liability coverage does not cover all the damages victims suffer, especially if those victims suffer serious or catastrophic injuries, wrongful death, or otherwise incur extensive costs and losses. As such, PIP claims can help make up the difference in policy gaps, and will be paid to each vehicle occupant (passenger or driver) based on the amount of coverage purchased (the full amount can be paid to each injured vehicle occupant, depending on their damages).
  • Covered Damages – Personal injury claims allow victims to recover both economic and non-economic damages, and are therefore the most robust form of recovering compensation after a preventable wreck. However, rising costs of medical treatment and lost earnings are often the most significant damages victims sustain after wrecks. Through a PIP claim, these damages can be recovered, including medical expenses, funeral costs, hospital or nursing services, and 80% of lost income.

Our legal team routinely advises Texas residents to consider purchasing Personal Injury Protection, as well as additional coverage like UM insurance, as it can provide a viable source for compensation when the unexpected occurs – especially when drivers don’t carry enough insurance. However, we know that victims still require experienced representation to handle PIP claims and their personal injury cases, given the fact that insurance companies are zealous in their efforts to deny and dispute claims, and pay victims as little as possible. Because we care about our clients and their futures, we work to fight back against insurance companies and secure the maximum compensation possible.

Request a FREE Case Evaluation 24/7

The Daspit Law Firm knows auto accidents can happen at any time, and that unexpected issues (including underinsured drivers) can make for complications in their fight for full compensation. As such, we are available 24/7 to help victims throughout Austin and the state of Texas when they need to navigate their legal journeys after car wrecks and fight for the recoveries they rightfully deserve. We also offer evening, weekend, home, and hospital appointments for their convenience. Get started with a FREE case review by calling (888) 568-8976 today.

Just a Few Reasons to
Choose The Daspit Law Firm

  • We Get to Know Clients on a Personal Level
  • There Are No Legal Fees Unless We Win Your Case
  • We Make Home and Hospital Visits for Clients
  • Our Firm Offers Free and Confidential Case Reviews
  • We're Available 24/7, At Night and On Weekends

Rave Reviews from
Happy Clients

  • Such a great experience from start to finish.

    “Such a great experience from start to finish. From the moment I called to the first visit everyone was extremely cordial and went out of their way to accommodate my needs. We went through everything step by step and they made me feel comfortable throughout the whole process. very pleased with the settlement!”

    Julian S.

  • Evan and team really took care of me a Daspit

    “Evan and team really took care of me a Daspit Law! I had zero idea what I was getting into. Thankfully Evan sat down with me and went over everything in detail. He made everything so easy! I will be recommending Daspit Law firm!”

    Julian C.

  • Its no surprise with this team we won my case! Thank you so much! xoxo

    “I just can't believe how amazing my experience with Daspit Law and Jeff was. Jeff was really hands on and really made me feel special. Not only was Jeff amazing but the pretty young lady Maria came and picked me up when ever I needed to come into the office. Its no surprise with this team we won my case! Thank you so much! xoxo”

    Veronica S.

  • I will definitely refer Daspit Law Firm to my friends and family. Thank you!

    “I hired Daspit Law firm last year to help me receive financial aid for my long term recovery after a serious auto accident I was involved in. They far exceed all my expectations with the settlement I received. I will definitely refer Daspit Law Firm to my friends and family. Thank you!”

    Ellie J.

  • I was fortunate to have chosen Daspit Law Firm to represent my family.

    “I was fortunate to have chosen Daspit Law Firm to represent my family. Many messy details regarding a wreck became our big nightmare. Had nearly given up if it wasn't for the persistence and support provided here. Daspit law guided us through a process that no longer seems foreign. An eye for detail, and their diligent effort resulted in everything we had hoped for. Want to thank the entire team again, for helping my family and going the extra mile to prove our case. Lita”

    Micalita S.