Texas Personal Injury Protection (PIP) is a no-fault coverage that pays medical bills, 80% of lost wages, and reasonable household services after a crash. Texas insurers must offer PIP on every policy – minimum $2,500 – but you can buy more.
Recommended PIP limits
$5,000–$10,000 is common. Higher limits are worth considering if you're self-employed or have variable income.
What PIP pays
- Medical bills, regardless of fault
- 80% of lost wages
- Up to $25/day for essential household services (childcare, cleaning, etc.)
- Funeral expenses
Who is covered
- You as the insured
- Family members in your household
- Passengers in your vehicle
- You as a pedestrian or cyclist struck by a vehicle (in some policies)
Filing the claim
Submit medical bills, treatment records, and wage documentation (W-2, pay stubs, or tax returns for self-employed). PIP pays quickly – usually within 30 days.
No subrogation
Unlike MedPay, Texas PIP is typically not subject to subrogation. You keep the benefits even if you also collect from the at-fault driver.
Frequently asked questions
Is PIP required in Texas?
Insurers must offer it. You can reject in writing.
How much PIP should I carry?
$5,000–$10,000 is common. More if you're self-employed or have a tight cash situation.
Does PIP cover lost wages?
Yes – 80% of lost wages up to your selected limit.
Can I have both PIP and MedPay?
Yes, and they stack.
Will PIP affect my rates?
No – PIP is no-fault and typically doesn't trigger surcharges.
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This guide is part of our Claims Resource Center hub – see every related guide, or start from the El Paso auto insurance overview.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.