Personal injury protection is a mandatory aspect of Texas auto insurance. The insurer must be informed in writing whether the benefit is refused. Personal injury protection covers lost wages and medical expenses of all occupants of the vehicle involved in an accident, regardless of fault. If the medical expenses were paid by medical insurance and damages were recovered by the insurance company a personal injury claim can still be filed. Document carefully all the information immediately after the accident to build a solid claim.
How to complete the application Benefit No-Fault Personal Injury Protection in Texas
Texas personal injury protection covers lost wages for victims of accidents.
Things You'll Need
- Accident Documentation
- Proof of wages
- Proof of medical expenses
- Personal Injury Lawyer
Directions
- Get a personal injury lawyer. Your auto insurance company will assign an insurance adjuster in case of collecting accident information. The regulator protects the interests of the insurance company and works to settle claims for less. A personal injury lawyer seeks prizes according to documented lost wages and medical expenses. The attorney is usually paid a percentage of the total amount recovered. Carefully research several attorneys before deciding on who will handle the case. Personal injury should be submitted within two years of a Texas car accident.
- Provide the required documentation. Send copies of witness statements, photographs and medical documentation. Check income with pay slips and tax returns. Provide solid evidence to support the claim. Discuss benefit values acceptable to the lawyer.
- Wait for the application to be processed. The lawyer works with accident insurance companies of both parties to reach a settlement offer.
- Get a check. The insurance company processes a check for twenty to thirty days after medical treatment is received. If the agreement is rejected, another month is needed for further negotiations. Normally, the benefits of personal injury are received eight to twelve weeks after the medical treatment. If the request is rejected, the claim is filed in a court of law and a jury decides whether the payment should be issued. The minimum amount of personal injury compensation allowed by Texas law is $ 2,500.00.
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