Additional Liability Insurance

Insurance companies often offer extra coverage/protection (for and additional fee) to help pay for property damage and/or personal injury and medical expenses regardless of fault.

PIP (No Fault coverage) -if you are injured in an accident that was mostly your fault and you are not entitled by law to compensation from the other person’s insurance, but you have extra coverage under your own policy, your insurance company will pay for your injuries. This extra coverage is called PIP (personal injury protection) or No Fault coverage. It is available in increments of $2,500, $5,000, and $10,000. Under this scenario, you would file a liability claim with your own insurance carrier for medical bills and lost income, up to a specified maximum, without any discussion or disagreement about the circumstances of the accident and who was at fault. If you wish to decline this type of coverage, you a required to submit a written consent that you are denying PIP.
Uninsured/Underinsured coverage - This provides coverage for damages resulting from an accident with someone who either has no insurance or does not have enough insurance to cover your expenses. It also protects you if the other person flees the scene after the accident or is a driver of a stolen car. In many states, Uninsured/Underinsured coverage is required.

Texas

Additional Liability Insurance

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