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Texas insurance glossary

PIP

PIP, or personal injury protection, is auto coverage that pays the insured’s own medical expenses and a share of lost income after a crash regardless of who was at fault.

Sources checked

Texas Insurance Code § 1952.152 requires an insurer to provide it in or supplemental to an auto liability policy unless a named insured rejects it in writing. A verbal decline does not satisfy the section, which is why many Texas policies carry it without the household remembering asking.

It pays without waiting for anyone to establish fault, which is what makes it useful in the weeks after a crash while liability is still being argued about.

Medical payments coverage is the narrower relative: medical bills only, with no lost-income element.

Sources: Tex. Ins. Code § 1952.152 — personal injury protection coverage required; TDI — automobile insurance guide (CB020). Verified .

A definition, not legal advice and not a quote. Rules and figures change; confirm your own situation against the source named above, or with us, before you act on it. Last checked .

See also

  • Medical payments Medical payments coverage pays medical and funeral expenses for the insured and their passengers after a crash, regardless of who was at fault, up to a stated limit.
  • Uninsured motorist Uninsured motorist coverage pays the insured for injury and damage caused by a driver who has no liability insurance, or by a hit-and-run driver who is never identified.
  • Liability coverage Liability coverage is the part of an auto policy that pays other people for injury or damage the insured driver causes; it repairs nothing belonging to the insured.
  • Declarations page The declarations page is the summary at the front of a policy naming the insured, the vehicles or property, the coverages, the limits, the deductibles and the term.

Where this is handled

Knowing what a coverage is called is not the same as knowing what is on your policy. One independent agency can read your declarations page with you and compare the markets that will write your record.

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