What is personal injury protection (PIP) insurance & do I need it?
Do drivers need to carry personal injury protection (PIP) insurance?
What is it anyway? While not common, it can be very helpful.
What is it anyway? While not common, it can be very helpful.
Believe it or not, personal injury protection (PIP) insurance was designed to reduce the number of lawsuits filed. It’s also called “no-fault insurance.” That simply means the insurance kicks in and works regardless of who has fault, and to what extent, in a motor vehicle accident.
In other words, it’s simply available when you need it. Texas does not require you to have PIP. However, insurers must give you $2,500 as part of your policy if you don’t specifically reject PIP. You can pay increased premiums for higher PIP limits.
PIP actually covers quite a bit. Broadly defined, it covers some of the more common economic expenses that arise from a motor vehicle accident. These include:
You should always use PIP if your policy provides coverage. After all, why would you pay good money for something you’re not even going to use? And remember… PIP is no-fault insurance. The carrier should not raise your rates for filing a PIP claim. PIP allows you to “double dip” as it covers some of the same things as liability insurance.
However, it also covers expenses above and beyond the limitations of liability insurance. So, it could come in handy in a few situations:
Yes, if you can afford it. The cost of PIP is rather nominal and the coverage will clearly benefit you if you are injured in a motor vehicle accident.
In the last 3 years, we’ve made TopVerdict’s annual Texas “Top 50 Personal Injury Settlements” list 43 times.
According to TopVerdict.com, our Dallas attorneys consistently achieve some of the highest recoveries in the state of Texas. As a matter of fact, in the last three years we’ve made their “Texas Top 50 Personal Injury Settlements” list 43 times. For example, in 2021 one of our claims made the Top 10 list, eight made the Top 11-20 list, and ten made the Top 21-50 list. When you factor in our reduced 29% contingency fee, we are confident we will help you recover more. At Mullen & Mullen, we pride ourselves on routinely recovering full policy limits for our clients without the necessity of costly and time-consuming litigation.
We have access to state-of-the-art diagnostic technology through well-established relationships with medical doctors, surgeons, physical therapists, chiropractors, neurologists, counselors, and other healthcare providers in the entire DFW Metroplex. You receive the quality medical attention you need from local providers near where you live or work. These providers specialize in treating people hurt in accidents of all kinds and they know how to properly document injuries to meet the legal burden of proof in your personal injury case. These providers are also willing to delay billing collections until after your case is resolved so you can focus on recovering without additional stress. Physicians that don’t routinely treat accident victims as part of their practice usually turn away patients over fear of being involved in the legal process or fear of health insurance companies refusing to pay accident-related healthcare bills. Please call us at 214-747-5240 for a free consultation and some advice.
Even if you don’t have health insurance or can’t afford your deductible, Mullen & Mullen will secure you the quality healthcare and state-of-the art diagnostics you deserve with no upfront out of pocket costs.
Shane, Joseph and Regis have almost 100 years of combined experience practicing personal injury law. That doesn’t even include the combined experience of the attorneys that serve as of-counsel to Mullen & Mullen at no additional cost to our clients. Our firm continues to evolve, but we never forget our Core Values. We do the right thing, handle cases the way we would want our own case handled, and we truly listen to clients. We have over 40 years of local knowledge, and that matters!
Some lawyers forget that they represent the client, but we never have. Our legal team will make YOU the priority. You are the boss, and we will respond quickly to your requests for case updates and assistance. We guarantee that when you need to speak to your counsel, you will speak directly to your counsel, not to a paralegal or secretary, because that’s the way it should be.
Most firms hire an investigator to help develop evidence on your case and charge you back for that service. Our firm, however, has 2 full-time accident investigators on staff and we offer their services to you for free. This is another way we will maximize your compensation.
They say a picture is worth a thousand words. Video footage is worth a lot more. Our in-house videographer allows us to capture the true impact the accident has on your life beyond mere words on a piece of paper.
When necessary, Mullen & Mullen Law Firm uses cutting edge technology like 3D imaging videos to fully demonstrate the extent of our clients’ injuries to the insurance companies. This also helps maximize the value of your claim.
Mullen & Mullen’s attorneys live and work right here in Dallas, and always have. We believe in paying our success forward by helping people in the North Texas community, and are dedicated to supporting these local charities.
Our success rate speaks for itself. We consistently earn awards from TopVerdict.com for achieving the highest settlement amounts in Texas. In fact, no other law office made their 2021 Texas "Top 50" personal injury settlements list as many times as we did. We placed on it nineteen times in a single year.
You'll always be kept in the loop regarding the status of your case. Calls are answered promptly, and you can even text your dedicated legal team directly 24/7.
We'll make you feel like part of the family, not just another case. Our compassionate lawyers will take the time to listen to your story, comprehensively understand your unique circumstances, and we will tailor our legal strategies accordingly. Your best interests are at the forefront of everything we do.
Mullen & Mullen has been a mainstay in the North Texas community since 1983. Our attorneys are always willing to meet with injury victims face-to-face. You won’t be dealing with some call center hundreds of miles away or on the other side of the country (or world).
We won’t back down or be intimidated in any form or fashion. We will not allow insurance carriers to delay, deny, or minimize your claim. We never hesitate to recommend litigation if it is necessary to achieve a just outcome.
When you work with a big law firm, you'll most likely be assigned a case worker and may never even talk to your attorney. Our attorneys make themselves available and invest in your case personally.
Of course we only get paid when you do. And when we do, we discount our legal fees to 29% instead of the industry standard 33.3% for claims that settle without litigation.
It's not just the hundreds of 5-star reviews that we've earned, but the things that our clients say. Read our reviews and you'll quickly see that we put passion into our work.
The Mullen & Mullen family is here to address your concerns and make the path to recovery smooth. There are no fees to get started and you pay $0 if we don’t settle your case.
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LICENSED BY THE STATES OF TEXAS & MISSOURI FOR THE GENERAL PRACTICE OF LAW. The information on this website is not intended to be legal advice. That can only come from a qualified personal injury lawyer who is familiar with all the circumstances and facts of your specific case and the law relevant to it.
