Personal Injury Protection (PIP) and Medical Payments Coverage (MedPay) are both no-fault coverages on a Texas auto policy. Both pay for medical care after a crash regardless of who caused it. But the scope and structure are different.
What PIP covers
- Medical bills for you and your passengers
- Lost wages (typically 80%) if injuries keep you from working
- Replacement services like childcare or housework
- Funeral expenses
What MedPay covers
- Medical bills for you and your passengers
- Funeral expenses
Which should you carry?
Most drivers should carry PIP — it's broader, includes lost wages, and is required to be offered (you have to reject it in writing). MedPay can layer on top of PIP to extend total medical coverage, and is especially useful if you have a high-deductible health plan.
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.