Personal Injury Protection (PIP) is a type of insurance that ensures that you are reimbursed by your insurance company for any damages or losses that happen in the event of a car accident. PIP also guarantees that this reimbursement happens regardless of the cause of the incident, without needing any proof of liability. It is an optional measure to take although can greatly improve the chances of being protected from financial ruin in the worst-case-scenario of a car crash.
As a form of no-fault insurance, it’s important to note also that PIP goes further than Medicare, medical health coverage, or any insurance that is automatically included in an employment contract. This means that if you are involved in a car wreck, a claim can be made with PIP regardless of the actions and verdicts of an attorney involved on either side.
In order to avoid any issues with insurance companies not honoring your personal injury protection insurance, it is helpful to contact the best auto crash lawyers in Houston Texas if you have been injured.
How Does Personal Injury Protection Insurance Work?
PIP operates on a system of initial medical and financial coverage following an incident, based on the quantity of PIP that you invest in. For example, if you invest in a large amount of PIP — say upwards of $5,000 — then it will be more likely that you will be covered even in the event of more extreme crashes or collisions. Of course, the concept remains true vice versa, meaning it can be risky to not invest a larger amount with a hypothetical worse crash possible.
It’s also important to be aware of smaller details surrounding PIP coverage, as insurance companies can use ethically questionable tactics to make the process of reimbursement either slower or completely impossible. In order to counteract these tactics, it’s necessary that you undertake certain steps following an accident involving injury.
Most of these surround medical procedures and if they were in fact necessary costs — for instance, if you did not visit a hospital or doctor within 14 days following the incident, an argument could be made that your injuries worsened due to your own negligence of health, and therefore higher costs could have been avoided. In a situation where your medical bills are a result of procedures that the insurance company deems not to be required, they can also refuse your claim.
Please note that in Texas, PIP is optional — learn more about what this means here.
Due to the fact that there are several methods that PIP companies can use to justify avoiding assisting you, a good solution is to ask for a legal hand, as alone you may be at risk of being exploited by your insurance.
Call an Experienced Car Accident Lawyers in Houston
If you or a loved one has been in a car accident reach out to a top rated Houston semi truck law firm. With extensive experience dealing with automobile collisions, Houston lawyer Joe Stephens at The Stephens Law Firm is the one to contact.
We specialize in cases relating to vehicle collisions and accidents, and can also help with issues or queries involving PIP insurance. We make sure you feel heard and understood. Equally important to us as the liability is the potential compensation you deserve. If you’ve experienced an automobile accident and are lost in the legal implications, please get in touch today.
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