WHAT IS PIP (PERSONAL INJURY PROTECTION)?
 The following does NOT constitute legal or medical advice.
For legal or medical advice, contact your attorney or doctor.

People sometimes don't understand what Personal Injury Protection
Insurance is for, and get upset when they find that it is not just a big
jackpot of "found money" for them.

So, I am not an attorney or insurance agent, but I am a doctor who
has dealt with car wreck injury victims and attorneys who represent
folks injured in car wrecks, I can read reasonably well, and putting
all those together, enable me to say what PIP is and what it is not.

PLEASE WATCH THE VIDEO ABOUT PIP BELOW...
 

From WIKIPEDIA :
http://en.wikipedia.org/wiki/Personal_injury_protection
"Personal Injury Protection (PIP) is an extension of car insurance available
in some U.S. states that covers medical expenses and, in some cases, lost wages and other damages"

From http://www.carinsurance.com/CoverageDefinitions.aspx

"PERSONAL INJURY PROTECTION COVERAGE (PIP or MEDEX):
Covers within the specified limits, the medical, hospital and funeral expenses of the insured,
others in his vehicles and pedestrians struck by him."

From investorwords

"Personal Injury Protection Definition

PIP. An extension of car insurance available in some states which covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with "no-fault" laws."

How about ALLSTATE insurance, reckon THEY know what PIP is?
http://www.allstate.com/auto-insurance/personal-injury-protection.aspx
"Personal Injury Protection coverage (or PIP) not only covers reasonable and
necessary medical and hospital expenses, it can also help you with income
continuation, loss of services, funeral expenses, even child-care expenses
while you’re healing.."

Quoting from an attorney's website :
http://thebaezlawfirm.blogspot.com/2008/03/what-is-personal-injury-protection-pip.html
 "What is Personal Injury Protection (PIP)?

Personal Injury Protection (PIP) is an extension of car insurance available in Texas, which covers medical expenses and, in some cases, lost wages and other damages. PIP pays off regardless of who is at fault and is mandatory in some states, especially those with no-fault laws. PIP coverage may vary from state to state."

As you see, it is not for you to buy a big screen television or new set of clothes,
first, it is for paying  medical ./ healthcare bills which result from the accident.

But, don't just believe ONE lawyer, how about this one...
http://dallaspersonalinjurylawblog.com/category/auto-accidents/

"

 Payment of Medical Bills After an Auto Accident
I frequently have potential clients who contact me with questions about who is responsible for their medical bills following a car wreck.  These individuals are often under the impression that they should not use their Health Insurance to cover medical bills for treatment of the injuries that were caused by the automobile accident.  They also frequently believe that the at fault driver’s Automobile Insurance will pay for their medical bills directly.  Unfortunately, it is extremely rare (in fact, almost unheard of) for the at fault driver’s Auto Insurance Company to pay for the injured person’s medical bills directly or quickly reimburse the injury victim for these expenses.

Auto Insurance Companies are in business to make money and, as a result, their objective is to pay injury victims as little as possible for their injuries.  Unfortunately, most Insurance Companies will not reimburse an injured person for medical expenses until the injured person has fully completed all of his or her medical treatment and has agreed upon a settlement amount to cover ALL of the injured person’s losses due to the injury (such as lost wages, medical expenses, and any future lost wages).  This approach creates a tremendous problem for people who do not have Health Insurance.  Often the individual cannot afford the necessary health care.  The Insurance Companies see this as a great windfall for them, because if the injury victim cannot afford to get the necessary health care, then the Insurance Company does not have to repay the injury victim for those medical expenses!  It is a terrible scam that Insurance Companies use to take advantage of innocent victims, but unfortunately in Texas it is legal.

After an auto accident, treatment of your injuries should be your number one priority.  If you have Health Insurance, by all means use it!  If you do not have Health Insurance, there are other options that you can explore.  First, you should check to determine whether you have Personal Injury Protection (PIP) under your own Automobile Insurance.  This type of coverage is intended to be more accessable and can be used to cover the costs of your medical care.  Some health care providers will bill directly against your Personal Injury Protection policy, although it is advisable to speak with an attorney before giving your medical providers your PIP policy information.  PIP policies typically provide between $2,500 and $10,000 in coverage (with $2,500 being the most common), which frequently is not enough in the event of a serious injury.  If you do not have Health Insurance or Personal Injury Protection, it is advisable to contact an attorney to discuss other possible options.  Some health care providers will accept a Letter of Protection from your attorney, which essentially is a promise to the health care provider that you will pay the health care provider for your medical expenses when your injury case is resolved."
It is quite clear what PIP (Personal Injury Protection) is for. It is meant PRIMARILY for your medical bills, and after your medical bills are taken care of, perhaps lost wages if you can prove you lost time from work as a result of your accident. If you have NO LOST WAGES, then there is only one other thing the PIP is intended for, and that is for payment of your medical bills, to the extent that your PIP amount can pay them. If you have PIP of twenty five hundred dollars ($2500.00) and your medical bills are five thousand ($5000.00), then obviously, your twenty five hundred dollars of PIP should go to trying to pay down the medical bills, but SOMEONE is going to have to come up with the other 2500 dollars for legitimately incurred medical bills as a result of the accident.

SO, DON'T GET INTO THE MINDSET THAT THE PIP IS "YOUR MONEY" BECAUSE IT IS NOT MEANT FOR YOU TO SPLURGE AND BUY THINGS WITH, IT IS INSTEAD MEANT AND INTENDED TO PAY YOUR DOCTORS OR HEALTH CARE PROVIDERS FOR THE SERVICES THEY RENDERED TO ENABLE YOU TO GET BETTER.

PIP IS FOR MEDICAL BILLS, AND IN SOME INSTANCES, ALSO LOST WAGES, AND THAT IS ALL ! CLEAR ? GOOD !

Now that we have that clear, most doctors are no longer
seeing any patients injured in car wrecks. One that still
does, is Dr. John Raymond Baker, DC of BAKER CHIROPRACTIC in Longview Texas.

Our number is 903-753-5400 and we are currently accepting new patients. Please call today.

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