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.
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.