Personal Injury Protection” or “PIP” coverage is an optional first-party coverage that many auto policies issued in Texas provide. PIP covers medical expenses and lost wages caused by the auto collision. PIP is a “1st party” coverage, meaning it is on your policy, not the other driver’s insurance.
-PIP is optional. If you want it, you have to buy it. Insurers are required to offer it to you at the time of sale and must get your rejection in writing if you don’t want it.
-PIP covers the driver and all passengers, REGARDLESS OF FAULT.
-PIP policy amounts can vary. The minimum amount that can be sold in Texas is $2500 per person.