Using Your Uninsured Motorist Coverage, Underinsured Motorist Coverage, and PIP Coverage

Who is liable for an accident when the other driver is uninsured or underinsured, and how can having personal injury protection (PIP) help?


Host: We have Gail from Dallas with us, this go ahead Gail.

Gail: Hello this is Gail Johnson I’m from Dallas, Texas. My question is since, I'm a non-driver and I'm often driven to places by drivers I was wondering if I'm in an accident am, I in someone else’s car, am I necessarily covered by their accident protection insurance or if I if it’s the same as personal injury protection for a non-driver?

Host: she was difficult to understand, did you get that? I think the gist of it was is who's liable if she is involved in an accident that's what I got from that.

Brett: I think she was going there but added a little twist about personal injury protection. As we mentioned earlier, the other types of insurance that exist that most folks don't really know much about is personal injury protection and uninsured and underinsured protection. Those are things that you pay for your, insurance company provides protection for you under those policies. In the event that the individual who caused you harm and is responsible but yet, they don't have insurance you have that to fall back on. And there may be some combination of all three policies in any given case and I'm sorry I couldn't hear the specific details of your case and again please call us later we can talk through it, but the idea is this please get help as early as possible, if you have PIP coverage access it immediately. That’s what you've paid all these hard work, you've paid your hard earned money for months and months to have that coverage use it.

Host: Right, that's right.