Auto Accident & PI Claims
Car Accident Coverage Explained
PIP, uninsured-motorist, third-party, MedPay, Letters of Protection — the coverage maze, made simple, so you know how your care gets paid for.
About This Coverage
Who Actually Pays for Your Care
One of the most stressful parts of a crash is not knowing how you'll pay for treatment. The reassuring truth is that several types of coverage may apply — sometimes more than one — and you often have options beyond your own pocket.
Here's a plain-English look at the coverage that pays for accident care in Texas, and how we help you use it.
How We Help
Coverage That May Apply
Depending on your situation, one or more of these can cover your care:
- PIP — pays medical costs regardless of fault
- Uninsured/Underinsured Motorist — when the other driver isn't covered
- Third-Party Liability — the at-fault driver's insurance
- MedPay — optional medical coverage on some policies
- Letters of Protection — treat now, pay from settlement
- Direct billing — we handle the paperwork for you
Putting It Together
Finding the Right Path for You
Often more than one type of coverage is in play, and the best path depends on who was at fault and what's on each policy. We verify your benefits, explain your options in plain language, and bill the right party directly.
For deeper dives, see our PIP & UM page and third-party claims page. We're a treatment provider, not a law firm — for legal questions we'll point you to an attorney and coordinate care with them.
Common Questions
Kingwood Chiropractic FAQs
Which coverage pays first?
It depends on fault and your policy. PIP often applies regardless of fault, while third-party liability involves the at-fault driver. We help identify the right path.
I don't think I have PIP — what now?
You may still have uninsured-motorist, MedPay, or a third-party claim available. We'll review your options.
Can you tell me what my policy covers?
We'll help you understand the common coverage types and verify your benefits, but your insurer and, for legal questions, an attorney can speak to your specific policy.
What if I have more than one type of coverage?
That's common — and sometimes they stack or apply in sequence. We'll explain how yours fit together.
Do you bill insurance directly?
Yes — we handle billing and documentation so you don't have to chase it.
What is MedPay?
Medical Payments coverage is an optional add-on that pays medical bills after an accident regardless of fault, similar to PIP. Not all policies include it, but we'll check if yours does.
Don't Wait
Know How You're Covered
We verify your benefits and bill the right party — so the coverage question never blocks your care.