Personal Injury Protection (PIP) coverage is different than other types of injury coverage. PIP coverage exists if the insured or their family member is struck by a “motor vehicle” designed for use mainly on public roads or a trailer of any type according to the 1984, Houston Court of Appeals…
To be covered under most auto insurance Personal Injury Protection (PIP) provisions, a person needs to be “occupying” a vehicle. “Covered person” as used in PIP coverage means the named insured or any family member while occupying or when struck by a motor vehicle designed for use maily on public…
Personal Injury Protection or PIP is insurance that can be purchased with auto insurance . It is unique in its coverage. One Texas court has construed “motor vehicle accident” narrowly in the context of PIP coverage. Specifically, it held that “motor vehicle accident” does not include all accidents that occur…
Insurance lawyers will be looking to see what happens in a case taken up by the Texas Supreme Court. The case is an appeal from the Amarillo Court of Appeals who had agreed with the trial court decision to compel arbitration. This is a dispute between an insurance agency “The…
Insurance lawyers can tell prospective clients that most pages in an insurance policy are pages explaining exclusions and limitations to what a policy will pay. This is no different when it comes to auto insurance. The standard auto policy does not provide med pay coverage for any person for bodily…
Medical Payments Coverage in an automobile policy is also known as Med-Pay coverage. Med-Pay is an optional coverage. Under this coverage, the insurance company agrees to pay “reasonable expenses incurred for necessary medical and funeral services because of bodily injury caused by accident and sustained by a covered person.” This…
CNBC published an article in February 2018, titled, “Florida Shootings May Complicate Insurance For Gun Owners.” To start with, gun owners need to know that most homeowner policies are not going to cover situations where a person has to use a gun. The policies will cover accidents but not other…
Most insurance lawyers don’t see this type of coverage, but for those who do, here is a little information. Ocean marine insurance insures overseas shipments by vessel or aircraft. Ocean marine coverage can also be provided on a vessel to insure against any loss or destruction to the boat, barge,…
Flood insurance premiums are calculated based upon geographic maps setting forth the boundaries for various flood zones. Because most property insurance policies covering property at fixed locations exclude flooding, flood insurance must be purchased separately. In 1969, Congress created the National Flood Insurance Program to administer the sale of flood…
Insurance lawyers who work in rural areas of Texas will see situations involving crop insurance. Some insurance companies sell property coverage to mitigate against the risk of loss to farm crops caused by environmental perils including drought, flooding, hail or other weather conditions. Crops can be insured under various types…