Personal Injury Protection (PIP) coverage in Texas is designed to cover medical expenses and lost wages resulting from a car accident, regardless of fault. For example, if a driver is injured in a collision, their PIP benefits can help pay for doctor visits, hospital stays, and income lost due to time off work. This coverage applies to the policyholder, their passengers, and certain family members injured in the accident or a related incident, such as being struck by a vehicle while a pedestrian.
This “no-fault” system ensures prompt medical attention and financial relief for those involved in accidents without lengthy legal battles to determine liability. It contributes to a smoother, more efficient process for addressing immediate needs following a collision. Historically, Texas has required PIP coverage as part of standard auto insurance policies. This mandate reinforces the state’s commitment to protecting drivers and passengers by providing a safety net for immediate post-accident expenses.