Q: Does PIP cover the person that was using my car if I wasn’t in the car with them?
My fiancé let me and my dad use his car. We were rear ended on the highway by someone on the highway. The other driver admitted to the police that he was looking at his phone. Can I file a PIP claim on my fiancés insurance policy if he ( the policy holder) was not in the car when the accident happened? We are currently in therapy but we have not hired an attorney yet and I’m worried about the medical bills while we wait on the settlement.
A: Under Texas law, PIP coverage must cover authorized operators and passengers of the vehicle in addition to the named policyholder. There is no requirement that your fiance be in the car when the accident happened. So yes, PIP should cover you and your father if your fiance authorized you to use the car.
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