Texas law states that your insurance company must “offer” to give you PIP (Personal Injury Protection) with any liability automobile insurance policy in Texas. You can reject it, but it must be in writing. If there is no signed written rejection, then you have the coverage.
In most cases PIP covers up to $2500 (in total, all combined) in medical bills, up to 80% of lost wages, and reasonable household duties that could not be performed due to an injury (in other words, if you had to hire someone to mow your lawn due to your injury, when you regularly did it yourself). Many insurance companies will also sell up to $10,000.00 in PIP coverage if requested. You should get as much PIP coverage as possible to protect yourself in case you are involved in an automobile accident.