Texas law requires insurers to offer Personal Injury Protection (PIP) coverage, but drivers can decline it in writing. PIP pays medical bills and lost wages regardless of who caused the accident.
What PIP covers
- Medical expenses for you and your passengers
- 80% of lost wages
- Replacement services (childcare, household help)
- No deductible, no fault investigation
Most Texas drivers should keep at least $2,500 in PIP. It's inexpensive and pays without delay.
Frequently asked questions
Can I reject PIP in Texas?
Yes, in writing.
How much does PIP cost?
Usually $30–$80 per year for $2,500–$10,000 in coverage.
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.