Call Twisted Spine and Joint for your auto accident 214-618-3991
Personal Injury Protection (PIP)
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?