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Personal Auto
Personal Injury Protection (PIP)
Also known as: PIP · no-fault coverage
A broader form of medical-payments coverage that also covers lost wages and rehabilitation. Standard in Texas; not offered in Illinois.
PIP is broader than MedPay — in addition to medical bills, it covers lost wages, replacement services, and rehabilitation costs for you and your passengers regardless of fault. Texas auto policies include PIP by default at $2,500; drivers can reject in writing or buy higher limits. Illinois doesn't sell PIP (Illinois drivers use MedPay instead).
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