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PIP insurance

What is Personal Injury Protection (PIP)?

PIP is a no fault automobile insurance coverage comparable to health insurance, but it covers the injuries of you and your passengers in various type of automobile accidents. You may be the driver who caused the accident; however, this coverage is no fault without a deductible or co-payment.

In Texas all insurance companies are required to have automobile policies with a minimum of $2500 of accident coverage, unless the insured party elects to pass on the coverage. Most people have this coverage, yet are unfamiliar with how to use it.

Should I be concerned about an increase in my insurance rates if I elect to use my PIP?

Automobile insurance agencies cannot refuse renewal of your insurance coverage for filing one PIP claim in a 12 month period according to the Texas insurance code section 5.7016.

Will the other person's insurance pay for my medical expenses when he or she is at fault?

PIP is your financial and medical security that your medical bills will be covered, regardless of the other party's insurance company. If their company ends up paying, you will regain money spent using your PIP. It is not worth the risk of the other party not paying for your medical expenses and leaving you with a significant bill to pay while you are trying to recover from an accident

Why not just use my health insurance?

You may choose to use your medical health insurance; however, be prepared for out-of-pocket expenses such as a deductible and co-pays to your doctor. Also be aware that sometimes when a person's health insurance realizes the medical care is due to a car accident, they could request to be financially reimbursed. 


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  • "I was having headaches everyday due to concussions. My moods were unpredictable and I always felt like I was in a fog. I would have migraines at least once a week. I just didn't feel right and no one was able to tell me what was wrong. The neurologists I went to see would simply say I needed time to rest my brain after a concussion. They didn't tell me what part of my brain was affected or offer any form of treatment. I was frustrated and looking for anything to make me feel better. I went to Dr. Ruben as a last hope. Little did I know he was exactly what I needed. Dr. Ruben took his time to find out exactly what was wrong with me, bringing me not only piece of mind but also a solution. Today, I am feeling more like myself again. I haven't had a migraine in over two months and I can't remember the last time I had a headache. It was the first time in a long time that I felt like a doctor really cared. Thank you Dr. Ruben for giving me my life back!"
    Katie B. SMU Soccer
  • "I have been to other chiropractors, but none have provided the care or knowledge I received from Dr. St. Laurent. He was able to find the root causes to improve my brain chemistry. His understanding of neurology and adjusting techniques had me back on my feet in a few days with less visits."
    Liza L.