Is Personal Injury Protection (PIP) Necessary?

In Texas, PIP insurance is mandatory, unless you sign a waiver declining the coverage. The mandate is there to protect drivers in the event of an accident of their own fault or if the other driver has no coverage. The exception is available because in many situations, these injuries are covered by an individual’s health insurance coverage.

If you have sufficient health insurance that will cover your necessary medical expenses in the event of serious injury, then you may not want PIP coverage. Before electing to sign off on PIP insurance, however, consider whether you can afford any lost wages from a job if you were not able to return to work for an extended period. In addition, PIP insurance covers substitute help and funeral expenses, which your other insurance may not help with.

If these expenses are not of major concern to you, then you can safely choose to waive PIP insurance coverage. Don’t be caught making an uniformed decision about PIP coverage, however. If you live in the ... more.

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