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John K. Zaid & Associates, PLLC
Wednesday, 07 June 2017 / Published in Personal Injury

Is Personal Injury Protection Necessary in Houston?

Having a PIP, or personal injury protection, policy while traveling can help the policyholder cover the costs of medical bills and lost wages for himself and his passengers. As opposed to standard automobile insurance, PIP insurance is no-fault auto insurance that covers the driver and associated parties despite who caused the accident. In some states, PIP insurance is a mandatory extension of standard car insurance.

PIP Coverage

Per the particular policy, personal injury protection insurance may pay up to 80 percent of the driver and passengers’ medical bills, including rehabilitation. Sometimes, PIP covers the injuries of other drivers and pedestrians. If necessary, PIP also covers funeral costs.

Personal Injury Protection Versus Medical Payments Coverage

Medical payments coverage, or Med Pay, is another type of automobile insurance. While medical payments coverage and personal injury protection coverage share similarities, they differ in several ways. Like PIP, Med Pay covers the driver and passengers’ medical bills. Unlike PIP, Med Pay will not cover funeral costs, lost wages and other expenses. Therefore, many drivers prefer PIP.

Claims and Settlements

Generally, a policyholder who has personal injury protection insurance receives a settlement faster than a policyholder who has another type of automobile insurance. However, insurance companies do not always handle claims fairly and quickly. Anyone who is tired of dealing with their insurance company should seek advice from one of the personal injury attorneys at zaidlaw.com. Usually, PIP cases can be resolved without going to court, but if necessary, the attorney can file a lawsuit in order to seek a favorable settlement for the client.

Driving is dangerous, and anyone who spends a lot of time behind the wheel should consider personal injury protection insurance. Besides providing coverage for the policyholder, PIP insurance covers any passengers such as the policyholder’s spouse, children, friends or coworkers. The decision to forego PIP insurance is simply not worth the risk.

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Looking for a Houston car accident lawyer? Looking for a Houston personal injury lawyer?

If you or a loved one has suffered a serious personal injury, we are here to help. Contact us today online or by telephone at 281-333-8959 to speak with a knowledgeable Houston personal injury lawyer.

At John K. Zaid & Associates our focus is to fight for each one of our clients who have been victimized and injured by the negligent actions of someone else. We aggressively pursue the various insurance companies that may be involved in a client’s case and make sure they pay for all the damages they cause our clients and their loved ones.

1. You don't have to face the legal system alone. A personal injury lawyer can guide you through every step of the process and represent your best interests in court.
2. Personal injury lawyers in Houston have extensive knowledge of the law and know how to build a strong case on your behalf.
3. If you are awarded compensation, your lawyer will make sure you receive it in a timely manner.
4. Personal injury cases can often be resolved outside of court, which means you may not have to go to trial.

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