Personal Injury Protection (PIP) is coverage you pay for which provides you or any authorized passenger in or operator of your vehicle compensation for all reasonable expenses for medical treatment and lost wages incurred because of an automobile collision. In fact, Texas law requires auto insurers to provide PIP coverage unless you reject the coverage in writing.
Section 1952.156(b) of the Texas Insurance Code allows auto insurers to “prescribe a period of not less than six months after the date of an accident within which the original proof of loss with respect to a claim for benefits must be presented to the insurer.” What that means in practicality is that your own auto insurer can and will deny your claim for PIP benefits if you do not submit it within six months of the date of the accident. The statute of limitations in Texas for filing a lawsuit for personal injuries sustained in an automobile accident is two years from the date of the accident. However, because insurance companies like taking your money and hate paying out their money, you only have six months from the date of the accident to file your application for PIP benefits. If you are injured in an auto accident, don’t let them take advantage of you. Call the Wyatt Law Firm today.