Why Every Texas Driver Should Purchase PIP Coverage and Uninsured Motorist Coverage

As an injury lawyer, I often get asked whether drivers should have PIP and UM/UIM coverage. In the last couple of years I have noticed a significant increase in car accidents involving uninsured drivers. This could be a result of the recent economic downturn, or perhaps an influx of undocumented immigrants who are not able to get insurance. No matter what the cause, accidents involving uninsured drivers have been on the rise in Texas. These accidents have devastating consequences for persons who are injured by the negligence of uninsured, or underinsured drivers in Texas. on persons injured by no fault of their own.

As a personal injury lawyer, I am painfully aware of the hardships presented to those who are injured by and under insured motorist. Medical bills start to pile up, you’re missing work as a result of your injuries, and you wonder who will pay your medical bills and living expenses while you recover from injuries. And, sadly, the uninsured motorist has little to offer you. Unfortunately, this is a scenario I see nearly every day in Texas. In fact, Texas leads the nation in uninsured motorist, And the laws are insufficient to prosecute and hold accountable those who decide to drive without insurance.

As I have told my clients for years, the only way to protect yourself from uninsured motorists is by purchasing two separate types of insurance coverage. First, all Texans should purchase uninsured and underinsured (UM/UIM) coverage. Second, I’ll text and should also purchase personal injury protection coverage, often referred to as PIP. As I often tell my clients, driving in Texas without UIM coverage and PIP coverage is like playing Russian roulette – it’s simply a poor choice.

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