What is UIM and PIP coverage on my car insurance and should I pay for this coverage?
If you're hurt in an accident, no matter who is at fault, personal injury protection (PIP) will pay your medical bills, expenses and loss of income. Uninsured or underinsured motorist (UIM) coverage helps make up the difference in a negligent driver's insurance policy limits and the damages you suffered from your injuries. This is important because the emergency room bill alone could easily be many times higher than the minimum coverage Texas drivers are required to carry. When buying car insurance, think seriously about getting these things. Hopefully you'll never need it, but if you do, it could make the difference in keeping your family afloat while you're down.