What is Personal Injury Protection (PIP)?
Personal Injury Protection (PIP) is a type of insurance that covers an injured person's medical bills and lost wages as a result of an automobile accident. It is also called 'no-fault' insurance since it pays regardless of whether you were at fault during an accident. While PIP can be part of an automobile insurance policy, it is different because it covers only personal injury and not damages to the vehicle itself. The state of Texas requires a minimum PIP coverage of $2,500 in automobile insurace policies, although individuals may refuse PIP coverage in writing. Individual PIP policies also may cover higher amounts.