Car Accident Chiropractor
Can I Use My Own PIP Insurance After a Car Accident?
Learn how Personal Injury Protection (PIP) insurance works in Texas and how it can help pay for treatment after a car accident. Many Accident Victims Don't Realize They Already Have Coverage After a c
Quick Insights
- PIP stands for Personal Injury Protection. PIP is part of many Texas auto insurance policies. PIP pays regardless of fault. You can often use PIP immediately after an accident. PIP may help cover medical expenses and lost wages. PIP benefits are separate from bodily injury claims.
What You Should Know
Key Takeaways
PIP coverage belongs to your policy.
PIP benefits generally apply regardless of fault.
Medical treatment may begin before liability claims are settled.
PIP can provide valuable financial assistance during recovery.
Common Questions
Frequently Asked Questions
Can I use PIP if the accident was my fault?
Yes , P IP generally applies regardless of fault. Often times someone is run off the road by another car into a ditch, telephone poll or tree, in this case you cannot file a 3 rd party claim because you don’t know who the person is.
Does PIP cover chiropractic care?
Yes, PIP will cover chiropractic care including examination, adjustments, exercises, cold laser and shockwave therapy modalities .
Will using PIP increase my insurance rates?
Every policy and insurance company is different , s peak directly with your carrier regarding rate implications. You pay to have PIP or uninsured motorist, (UM), on your auto policy; if you have injuries and no one else is going to cover the cost;
PIP is there for you. Can I use PIP and file a claim against the at-fault driver?
Yes , t hese are often separate claims. Sometimes the cost of imaging, chiropractic and specialist’s visits and treatment can be significant, the other person’s insurance policy might be minimal and not cover all of your care.
Get the Help You Need
Serving Kingwood, Humble & NE Houston
Dr. Hamel has over 25 years of experience diagnosing and treating conditions like this. Schedule a comprehensive evaluation today — same-week appointments available.