What is Personal Injury Protection (PIP)

The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.

Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.

What is PIP?

PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.

What will a claim do to my insurance rates and policy renewal?

Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.

Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?

Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.

Why should i get an attorney after an Auto/Car accident for my injuries?

An attorney helps with all aspects of an auto/car accident claim or injury. They keep an individual from spending countless hours on the phone with insurance adjusters that really don't care about your well being. It also helps to keep stress levels down and allow you to concentrate on recovery and getting well. Our office only works with the best attorneys/lawyers in Dallas/Fort Worth. We have learned through trial and error, who best takes care of our patients. They also make sure that all your medical bills are settled. This allows you to be additionally stress and medical bill free at the end. We also help those who are not able to treat in our office, who are in need of an attorney. We are here to help!!! So don't hesitate in calling and making an appointment to get examined and also ask about scheduling a free consultation with a reputable attorney. You only have one body, so you need to take care of it. Call Today!!! (972)215-7720

WHAT IF THE INSURANCE COMPANY WANTS ME TO SETTLE?

It's recommended that you do not settle your case before a thorough evaluation by our office. If you settle before your injury is fully diagnosed and treated, you will be responsible for any medical bills you incur in the future.  In most cases it is best to consult an attorney if the insurance company is hurrying you to settle.  Our office can also help you find a qualified attorney.  We have a number of reputable and highly qualified auto accident attorney who we can refer you to for a complimentary consultation.
Our office will write detailed reports to insurance companies to assure that your claim will be effectively documented during your treatment.
It is important that you do not cash any checks that the insurance sends to your home.  In many cases, this will release them from any further liability in your care and you will be personally responsible for your medical bills.

CAN MEDICATIONS AND PAIN PILLS HELP ME GET BETTER?

Medications may mask the pain for a few hours, but they do not aid your body's ability to heal itself, and may hinder the healing process. Medications cannot correct the soft tissue damage that is caused by auto accidents. If you are only taking pills, irritated nerves will continue to cause pain, suffering, and the problems listed earlier. Therefore, the adverse effects of your injuries will continue to plague you until you seek treatment. In certain situations we will prescribe medication; however, pain medications alone will only mask the symptoms and not treat the problem.

Why should i get an attorney after an Auto/Car accident for my injuries?

An attorney helps with all aspects of an auto/car accident claim or injury. They keep an individual from spending countless hours on the phone with insurance adjusters that really don't care about your well being. It also helps to keep stress levels down and allow you to concentrate on recovery and getting well. Our office only works with the best attorneys/lawyers in Dallas/Fort Worth. We have learned through trial and error, who best takes care of our patients. They also make sure that all your medical bills are settled. This allows you to be additionally stress and medical bill free at the end. We also help those who are not able to treat in our office, who are in need of an attorney. We are here to help!!! So don't hesitate in calling and making an appointment to get examined and also ask about scheduling a free consultation with a reputable attorney. You only have one body, so you need to take care of it. Call Today!!! (972)215-7720

SHOULD I SEE AN ATTORNEY BEFORE MY EVALUATION?

Patients have important legal as well as health care needs that need to be addressed. In most cases, it is important to be evaluated by a clinic first. That way the findings from your exam will give you the information you need in order to decide on which attorney is necessary.
If you already have an attorney, the office will send detailed reports to your attorney as you are undergoing treatment to keep your legal counsel apprised of your progress. Upon completion of treatment a final narrative report is then forwarded to the patient's attorney documenting any permanent damage or functional loss.
An attorney who specializes in injury accidents is a wise choice in these circumstances. They know the law and your rights and are better equipped to communicate with aggressive or intimidating insurance representatives to help you get the care and other benefits to which you are entitled. In these cases, the office can refer you to a reputable and qualified attorney.

HOW DO I MAKE AN APPOINTMENT?

For a personal evaluation and consultation, call North Dallas Chiropractic or Irving Rehab and Wellness and ask to schedule an appointment. In most cases, you can be seen the same day. The sooner you receive treatment following your accident, the better your body will respond to restorative care. You will be glad you did!

Why should i get an attorney after an Auto/Car accident for my injuries?

An attorney helps with all aspects of an auto/car accident claim or injury. They keep an individual from spending countless hours on the phone with insurance adjusters that really don't care about your well being. It also helps to keep stress levels down and allow you to concentrate on recovery and getting well. Our office only works with the best attorneys/lawyers in Dallas/Fort Worth. We have learned through trial and error, who best takes care of our patients. They also make sure that all your medical bills are settled. This allows you to be additionally stress and medical bill free at the end. We also help those who are not able to treat in our office, who are in need of an attorney. We are here to help!!! So don't hesitate in calling and making an appointment to get examined and also ask about scheduling a free consultation with a reputable attorney. You only have one body, so you need to take care of it. Call Today!!! (972)215-7720

What is Personal Injury Protection (PIP)

The Texas Department of Insurance requires automobile insurance carriers in our state to issue all automobile policies it writes at least $2500 worth of coverage and you have this coverage unless you reject it in writing. Most people are unaware of this coverage or even know what it is and therefore very few people use it. You end up paying for coverage that they don’t inform you about and you’re entitled to.

Why? Insurance is not understood and most people rely on their agent and claims adjusters to advise them on what to do after an accident. Insurance is a multi-billion dollar industry and are in business to make money. They keep their costs down, less payout, more profits and bonuses at the end of the year. Good for them and not for you.

What is PIP?

PIP is no fault coverage similar to health insurance but on your auto policy for your injuries and your passengers injuries. This coverage is available regardless who is at fault. Yes, you can be the cause of the accident and you will still be covered. There’s no deductible and no co-payment. There is other separate coverage that will cover the other party if you were at fault. If you do not have PIP then you could still be covered if you were in an accident in another state besides Texas. You may also be covered if you were hit in a crosswalk by a car or on a bicycle or borrowing someone else’s car.

What will a claim do to my insurance rates and policy renewal?

Under section 5.7016 of the Texas insurance code, automobile insurance carriers cannot non-renew you for filing one PIP claim in a 12 month period. Also, it is unlikely that they would raise your rates for a sole PIP claim.

Why doesn’t the other guy’s insurance pay for my medical expenses and why should I use my insurance?

Medical treatment is expensive and you are liable for the costs. There is a chance that the other party may never pay for your medical expenses leaving you a financial burden. PIP gives you peace of mind that your medical bills are covered. If you use your health insurance, you may have to pay a deductible and co-pays to your doctor and if the health insurance finds out that you were in an accident they could request to be reimbursed. Some people get referred to a medical provider by their attorney and the medical provider agrees to be paid months or even years later. Since there are a limited number of medical providers who agree to this arrangement, your choice and quality of healthcare may be limited. The answer is to use your PIP coverage so you will not have to pay for medical expenses out of your pocket and get the best possible healthcare treatment available for you and your family’s injuries caused by the accident.  Also, if there is coverage from the other guys insurance, then this is an added advantage to reduce any out of pocket expense.