An adult human spine typically consists of 26 moveable segments: seven cervical vertebras, twelve thoracic vertebras, five lumbar vertebras, one sacrum, and one coccyx (tailbone). Intervertebral d ...View Article
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Do I have personal injury protection (PIP)
Call Twisted Spine and Joint for your auto accident 972-378-5900
Personal Injury Protection (PIP)
The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. This personal injury protection can be used to pay for your medical bills while you are hurt, so you don't have to pay out-of-pocket. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don't inform you about and you're entitled to.
Why don't they tell me this? Insurance is very convoluted and most people rely on their agent and claims adjusters to advise them on what to do after an accident. The problem is that the person advising you has their companies best interest at hand on not yours. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.
What is PIP?
PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. You can be the cause of the accident and you will still be covered and be able to be treated in our office. There's no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas or the other driver was at fault or you were a passenger. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else's car. Twisted Spine and Joint will work with you to find if you have coverage for treatment or to get you in touch with people who can sort out the mess.
What will a claim do to my insurance rates and policy renewal?
Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.
Why doesn't the other guy's insurance pay for my medical expenses and why should I use my auto insurance?
Medical treatment is costly and you are liable for the charges. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you would have to pay your deductible and co-pays to your doctor, per their health insurance agreement, and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical or chiropractic provider, like us, by their attorney and the medical or chiropractic provider agrees to be paid months or even years later. Since there are a limited number of medical or chiropractic providers who agree to this arrangement, your choice and quality of healthcare may be limited. The solution is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family's injuries caused by the accident.