Is personal injury protection (PIP) required in Texas?
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TL;DR
TDI states that all auto policies in Texas include personal injury protection (PIP) coverage, and that a person who does not want it must tell the company in writing.1 TDI describes the state minimum as coverage for injuries per person and per accident and for property damage.1
Is personal injury protection required in Texas?
The source on PIP is the Texas Department of Insurance (TDI) auto insurance guide. TDI states that all auto policies in Texas include PIP coverage, and that a person who does not want it must tell the company in writing.1 TDI describes the state minimum as coverage for injuries per person and per accident and for property damage.1 TDI writes about PIP:
All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.
What does TDI say about PIP and related coverages?
| Coverage | What TDI says |
|---|---|
| Liability minimum | Texas law requires at least a stated amount of coverage for injuries per person and per accident and for property damage.1 |
| Personal injury protection (PIP) | All auto policies in Texas include it, and declining it requires telling the company in writing.1 |
| Uninsured/underinsured motorist coverage | Insurance companies must offer it, and declining it requires telling the company in writing.1 |
| Texas Automobile Insurance Plan Association (TAIPA) | TAIPA sells liability, PIP and uninsured/underinsured motorist coverage.1 |
What the sources do not state
The sources used here do not state what PIP pays for, its limits, its cost, or any exception to the rule that it is included. They also do not say whether a driver must carry it.
Next step
TDI publishes the PIP rule in its Auto insurance guide. The filing lookup tool is where to look up filing details for a situation.
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