Using PIP After a Granbury Wreck
Short answer: Personal Injury Protection is coverage in your own policy. After a wreck around Granbury it pays your medical bills and 80% of the income you lose, with no need to prove who was at fault. Unless you rejected it in writing, you almost certainly have it.
Questions people ask
Do I have PIP?
Probably. Texas policies include it unless a named insured rejected it in writing (Ins. Code §1952.152). Your declarations page will list "Personal Injury Protection."
Does it matter who caused the wreck?
No. PIP and MedPay pay regardless of fault.
Will it cover time off work?
PIP pays 80% of income you lose because of the injury, per the Office of Public Insurance Counsel. MedPay does not cover wages.
How do I start a claim?
Call your own insurer, report the wreck, and ask them to open a PIP claim. Send bills and wage proof as you get them.
What if I rejected it?
Health insurance or a letter of protection can cover care until the at-fault insurer pays.
Sources: Ins. Code §1952.152, Texas OPIC, TDI Auto Bill of Rights.
Related: letters of protection · getting treatment · who pays.
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