What it does
CA 22 64 provides personal injury protection on commercial auto policies in Texas. Under Texas Insurance Code section 1952.151, PIP pays the named insured, members of the insured's household, and any authorized operator or passenger of the named insured's motor vehicle, "including a guest occupant," for reasonable expenses that arise from an accident and are incurred within three years of it, for:
- necessary medical, surgical, x-ray, dental, prosthetic, ambulance, hospital, nursing or funeral services;
- for income producers, replacement of income lost as a result of the accident; and
- for injured people who were not income producers, reimbursement of necessary expenses for essential household services they ordinarily performed.
Texas requirements
Section 1952.152 bars an insurer from issuing an auto liability policy in Texas unless PIP is provided in or supplemental to the policy, and the coverage does not apply if any named insured rejects it in writing.
Quoting and selling notes
- Keep the written rejection on file if the insured declines PIP.
- Discuss who rides in the insured's vehicles (customers, clients, guests) when deciding whether to keep or reject PIP.
- The Texas UM/UIM endorsement is CA 21 09.
