At Fault and Injured? Can Make a Claim on Your Own Policy
Insurance companies will not tell you when you can make a claim on your own policy.
PIP Coverage is to Protect YouDid you know that you can make a claim on your own insurance policy for an accident that is your fault? Yes you can, and you can bet that your insurance company will not tell you this fact. You have to know this information and assert your own claim under PIP, Personal Injury Protection. For instance, if you were negligent and hit another vehicle, or if you just accidentally ran your car into a telephone pole, you can make a claim under PIP coverage for any medical bills and lost wages caused by that accident (up to your policy limit). Likewise, PIP coverage will also apply to any passenger in your car that is hurt or has lost wages, and, if you are a passenger in another's vehicle, their PIP coverage will apply to your injuries and lost wages. Of course, if the accident was the other driver's fault, your PIP coverage will apply to cover your injuries and lost wages. Depending on your types of coverage, you might also be able to claim property damage, also, whether the accident was your fault or not.
If Denied: Ask for the Signed PIP Rejection FormAuto insurance companies would rather not provide such coverage, but they are required to offer it by the State of Texas. As a matter of fact, the auto insurance company is also required to maintain a written rejection form from their insured clients that clearly states the insured client "Rejects" PIP coverage (and UM/UIM coverage, to be discussed in the next newsletter). We want all of our clients to know this information so they first can make sure they have PIP coverage because it is so important. Second, as an attorney, we have been successful many times in forcing a client's auto insurance company to provide PIP coverage because they could not produce the signed PIP rejection form.
So, if you are told you cannot make a claim on your auto insurance or you are told that you do not have PIP coverage, please give us a call for a free consultation.