PIP (Personal Injury Protection) Insurance
Beaumont Car Accident Attorneys with Decades of Experience
Victims injured in car accidents have a right to seek compensation from the at-fault party who caused them harm, including drivers who caused wrecks by driving distracted, drunk, or through other negligent acts. While compensation recoveries can be made through personal injury claims, there are some cases where victims may not be able to recover the full amount of damages they incurred – particularly when at-fault drivers are underinsured and victims’ damages exceed the limits of their policy. While this situation can create challenges for victims who need to cover medical expenses, lost wages, and other damages, there may be options for recovering compensation through additional resources – including Personal Injury Protection (PIP) insurance.
Personal Injury Protection is a no-fault form of insurance coverage most motorists in Texas have. However, not all motorists understand how it works. At The Daspit Law Firm, we help drivers and passengers injured in all types of car accidents explore all available options to maximize their financial recoveries, and secure the compensation they need. This may involve pursuing coverage through their own insurance policies, if they have PIP coverage.
Learn more about personal injury claims and PIP coverage when you call (888) 395-8563 for a FREE consultation. The Daspit Law Firm is available 24/7 to help.
How Does PIP Coverage Work?
Texas law requires insurance providers to offer Personal Injury Protection coverage. PIP is no-fault coverage, which means that it pays expenses regardless of who is at fault in an accident. These expenses include:
- Medical expenses
- Ambulance, hospital, and nursing services
- Funeral services
- 80% of income lost due to injuries
These damages, as well as other economic and non-economic damages, such as pain and suffering, are recoverable through personal injury lawsuits filed against at-fault parties. However, when expenses are extensive, victims suffer catastrophic injuries, or at-fault drivers are underinsured, PIP coverage may be used to make up the difference. Additionally, since it is no-fault coverage, it can be recovered before any resolution is made in a personal injury case, allowing for victims and families to ease some of the financial burdens they may face following accidents.
When insurance limits carried by at-fault drivers fail to meet all the needs of victims, PIP can act as the security net for covering damages. However, payment of PIP claims is never automatic, and insurance companies that prioritize profits over the well-being of their policy holders may dispute, delay, or deny valid claims. Our experienced attorneys know how insurance companies operate, being led by Attorney John Daspit and his insight as a former insurance defense lawyer, and can help fight back against insurance providers to ensure they handle claims fairly and in a timely fashion – and pay victims what they are rightfully entitled to under their policies.
Learn More About Your Right to Compensation
If you have been injured in any type of auto accident as a driver or passenger, The Daspit Law Firm is available to help you learn more about your legal right to compensation. Our Beaumont car accident lawyers have decades of collective experience advocating for injured victims and their loved ones across the state of Texas, and can put our insight and resources to help you pursue the compensation you need.
To discuss a potential case, call (888) 395-8563 for a FREE consultation.