Personal injury protection or PIP is an extension of car insurance that covers medical expenses and, in many cases, lost wages. If you have PIP insurance and your damages meet or exceed your PIP limits you will receive the max amount of benefits, whether the incident was your fault or not. PIP covers medical bills and lost wages as well as other items people tend to ignore like, repairing your bike if it was hit, or transportation to and from the attorneys office. While PIP is not required in Texas and New Mexico, it is heavily recommended that you have personal injury protection in case of an accident may it be your fault or not. Under PIP benefits in Texas, if the insurance can not produce a PIP rejection letter then the insurance may still have to pay PIP benefits.