What is a PIP Claim and How Do I File One?
Personal Injury Protection (known as PIP coverage) is medical coverage included under an insured’s automobile insurance policy. PIP provides reimbursement for medically necessary expenses related to injuries caused by a covered automobile accident. An insurance claim made under PIP coverage is a PIP claim. PIP coverage varies depending on who your insurance company is. Further, you can still use PIP coverage if you were injured in someone else’s car while they were driving and they have a different insurer and policy. When you use another person’s PIP coverage, you are said to be on “borrowed coverage.” In Texas, PIP coverage allows you to recover a minimum of $2,500 in reasonable and necessary medical expenses and 80% of your loss of income from employment due to injury. PIP coverage is known for being a quick source of coverage, as it’s payable within 30 days of providing the information needed to pay the claim to the insurance company. Though not required by Texas law, PIP coverage exists in every automobile policy automatically, unless rejected in writing by each insured. In Texas, PIP coverage covers you, your family members, passengers in your car, and other injured people, regardless of who caused the accident (no-fault coverage). For insurers, such as State Farm and Allstate, a simple online claim form can be filed by the person seeking PIP coverage. Legal help is usually not required to fill out these claim forms, and insurance agents can often walk insureds through the process. (https://www.statefarm.com/claims/file-a-claim/ or https://www.allstate.com/claims/report-claim.aspx).
Latest News
-
Mar29
2018 Texas Super Lawyer
ATTORNEY TONY MALLEY NAMED 2018 TEXAS SUPER LAWYER Beaumont, Texas – Anthony (Tony) Malley, founding and managing partner of Malley Law Firm, PLLC, has been named for inclusion on the...Read More »
-
Sep18
Welcome to ABOTA!
We are pleased to announce that Mr. Anthony Malley, III has been elected as a member into the American Board of Trial Advocates based on nomination and extremely stringent qualifications...Read More »
-
Mar17
How Do We Deal with IRS Debt Now That the Divorce is Final?
As the old saying goes, “[I]n life – only two things are certain: death and taxes.” Unfortunately, marriage isn’t included on that list of certainties, meaning that in the...Read More »
-
Feb24
Who Gets the Cash Value of the Life Insurance Policy in a Divorce?
A life insurance policy is a contract between an insurance company and the insured. That being said, a life insurance policy is typically governed by contract law, making the waters...Read More »
-
Feb03
What is a PIP Claim and How Do I File One?
Personal Injury Protection (known as PIP coverage) is medical coverage included under an insured’s automobile insurance policy. PIP provides reimbursement for medically necessary expenses related to injuries caused by a...Read More »
-
Jan26
Separate Accounts Do Not Mean Separate Money for Divorce
“What’s Mine is Yours.” These words should be taken quite literally when it comes to marriage in the state of Texas. Texas is a community property state, which means...Read More »