Overview
Texas insurers are required to offer PIP on every auto policy. You can reject it in writing, but most drivers keep it because it pays quickly, doesn't require fault determination, and covers passengers too. Standard PIP limits are $2,500, but $5,000 and $10,000 options are available and usually inexpensive.
Key benefits
- Pays regardless of fault
- Covers medical bills, lost wages, and replacement services
- Extends to passengers in your vehicle
- Pays in addition to health insurance
- Available in higher limits for stronger protection
Real-world examples
ER visit after a crash
You're taken to Del Sol Medical Center after a rear-end collision. PIP pays the ER bill and follow-up imaging right away, even before the at-fault driver's insurance accepts liability.
Missed work
You miss two weeks of work recovering from a crash. PIP reimburses 80% of lost wages up to your limit.
Related coverages
Required by Texas law — covers the other driver when you're at fault.
Liability + collision + comprehensive — the package most lenders require.
Repairs your vehicle after a crash — regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.