PIP and MedPay in Texas: How They Pay Your Bills
Short answer: PIP and MedPay are ways to pay for care after a crash so you don't pay out of pocket. PIP covers medical care and lost wages. MedPay covers medical care only and is less common in Texas. Both pay no matter who caused the crash.
Texas PIP works the same in Fort Worth as anywhere in the state: it pays regardless of fault, unless you rejected it in writing.
PIP vs. MedPay at a glance
| PIP (personal injury protection) | MedPay (medical payments) | |
|---|---|---|
| Medical bills | Yes | Yes |
| Lost wages | Yes, 80% of lost income | No |
| Pays regardless of fault | Yes | Yes |
| How common in Texas | Included unless rejected in writing | Less common |
How PIP works in Texas
PIP is broader coverage added onto your auto policy. It pays medical bills and 80% of lost income no matter who caused the crash. Texas insurers must include PIP unless a named insured rejected it in writing. If you rejected it, it isn't offered again at renewal unless you ask in writing.
How MedPay works
MedPay pays for medical care only. It doesn't cover lost wages, and it's less common in Texas than PIP.
Did I reject PIP? How to check
Look at your policy's declarations page. A rejection must have been signed in writing (Texas Department of Insurance, Auto Bill of Rights). If you can't tell, ask your agent for a copy of any signed rejection.
If you don't have PIP or MedPay
You may still be able to get care without paying upfront through a letter of protection. Read more about getting treatment or go back to all insurance guides.
Want a lawyer to look at your case for free?
If you were hurt in a crash that wasn't your fault, in Fort Worth or anywhere else in Texas, you can ask for a free consultation. A participating personal injury law firm will reach out to you promptly. There's no cost to ask and no obligation.