What Is Covered Under Personal Injury Protection in Texas?
Personal Injury Protection (PIP) in Texas is an essential component of auto insurance that provides financial support for medical expenses, lost wages, and other related costs after an accident—regardless of fault. Understanding what is covered under PIP can help ensure that you receive the care you need without unnecessary financial strain. At Superior Health Care in Arlington, TX, our experienced personal injury doctors specialize in treating accident-related injuries, helping you recover as quickly and effectively as possible.
What Does PIP Insurance Cover in Texas?
Texas law requires insurance providers to offer PIP coverage as part of any auto insurance policy, though policyholders have the option to decline it in writing. PIP typically includes the following benefits:
1. Medical Expenses
PIP covers reasonable and necessary medical costs related to injuries sustained in an accident. This can include:
- Emergency room visits
- Hospital stays
- Surgery
- Doctor’s visits
- Chiropractic care
- Rehabilitation and physical therapy
- Prescription medications
At Superior Health Care in Arlington, our medical professionals provide comprehensive treatment plans tailored to accident victims, ensuring proper recovery and pain management.
2. Lost Wages
If your injuries prevent you from working, PIP can help compensate for lost wages. This coverage typically provides up to 80% of your lost income, helping you stay financially stable while you recover.
3. Essential Services
PIP can also cover expenses related to necessary services you are unable to perform due to your injuries, such as:
- Childcare
- Housekeeping
- Yard maintenance
This provision ensures that accident victims can maintain their daily lives while focusing on recovery.
4. Funeral and Burial Costs
In the unfortunate event of a fatal accident, PIP can help cover funeral and burial expenses, providing financial relief to the victim’s family.
How Much PIP Coverage Is Required in Texas?
Texas auto insurers must offer a minimum of $2,500 in PIP coverage per person. However, policyholders can opt for higher coverage amounts, such as $5,000 or $10,000, to provide greater financial protection after an accident.
Why Seek Medical Care After an Accident?
Even if you feel fine immediately after a crash, some injuries, such as whiplash or internal trauma, may not present symptoms right away. Seeking prompt medical attention can prevent complications and strengthen any insurance or legal claims you may need to pursue. At Superior Health Care in Arlington, our personal injury specialists offer expert evaluations and treatments designed to address both acute and chronic accident-related injuries.
Get Expert Personal Injury Care in Arlington, TX
If you’ve been injured in an auto accident, utilizing your PIP coverage can help you access high-quality medical care without financial stress. The dedicated team at Superior Health Care in Arlington is here to support your recovery with advanced treatments and personalized care plans. Contact us today to schedule an appointment and take the first step toward healing.