How Does Texas PIP Coverage Protect Me After a Car Accident?

Under Texas law, insurance companies are required to give drivers and passengers Personal Injury Protection insurance coverage, also known as PIP. This type of auto coverage pays for certain damages that resulted from a car accident. Texas PIP coverage is mandatory, and it offers coverage for any policyholders and household members that were involved in the accident. However, the coverage can be rejected by the person purchasing the policy.

Do I Need PIP Auto Coverage as a Texas Resident?

PIP can help pay for any medical expenses that you or your passengers might encounter after a serious car accident. This includes medical and surgical treatment, ambulance services, medications resulting from accident injuries and medical supplies. PIP coverage will also pay up to 80% of your lost wages if you miss work due to injuries received in a car accident.Check with your auto insurance provider and personal injury attorney to determine the specific coverage limits of your PIP coverage.

How Do I File a PIP Claim in Texas?

Call your insurance company after the car accident to report the incident. Make sure to ask for a PIP claim form. PIP claims have to be submitted within a specific time frame. PIP coverage also has maximum limits that can be paid, but fortunately they don’t have deductible amounts that you need to pay.If you have been involved in a car accident in Texas, you should speak with Mike Love & Associates, LLC to obtain passionate and experienced representation. We offer free auto insurance policy reviews so you can understand what coverage can be available to you. Contact us today for a free consultation.

The Most Notorious Auto Defects in History Part 2: GM’s Ignition Switch

There have been many auto defect scandals over the past few decades. We published a prior blog on our website that discusses how the Ford Pinto severely damaged the reputation of one of the world’s largest automakers. The Ford Pinto is only the tip of the iceberg. Other automakers have also knowingly released dangerous products on to the market. General Motors (GM) released faulty ignition switches that are thought to be responsible for 124 deaths and 274 injuries.Ignition switches in these vehicles could be triggered into the accessory position, in many cases while people were driving. Several outcomes would be possible if you were driving a GM vehicle when this happened. Your vehicle’s engine and power steering would lose power. The airbags and anti-lock braking system would also be rendered useless. You would have little control over your vehicle if you were travelling at high speeds. The airbags in your vehicle would not deploy if you were involved in a collision. Many of the people injured or killed by GM’s ignition switch likely experienced similar scenarios.During the early morning hours of July 29, 2005, then 16-year-old Amber Marie Rose was headed home from a party when she lost control of her vehicle and slammed into a tree. Investigators initially determined that alcohol and speeding were factors in the crash. However, it was also discovered that the 2005 Chevy Cobalt’s airbags never deployed. A private investigator hired by Amber’s family discovered that the ignition switch had moved into the accessory position.

Why Do Automakers Conceal Dangerous Defects?

There are similarities between the Ford Pinto and GM ignition switch recalls. Ford and GM knew their products would pose a danger to consumers. In fact, GM first discovered problems with its ignition switch while it was testing the Saturn Ion in 2001. Additional ignition switch problems were noticed in 2003 and 2004. By 2005, GM declined to fix the problem due to concerns over costs. GM warned dealerships about the defect, but did not issue a recall until almost ten years later.Automakers feel compelled to cut costs and to protect the reputation of their products. Unfortunately, they pursue these goals at the cost of public safety.If you were injured by a defective automobile or auto product, then you should speak with one of the auto defect attorneys at Mike Love & Associates, LLC. Automakers are not necessarily absolved of liability for issuing recalls. Our attorneys could help you determine legal options for seeking justice against the parties who have caused you harm.