[TX P&C] 15. Uninsured Motorists, Underinsured Motorists and PIP

This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: • Statutory mandates under Texas Insurance Code Chapter 1952 for offering Personal Injury Protection (PIP) and UM/UIM on personal auto policies. • The requirement for a valid written rejection, including compliant electronic signature, and how existing valid rejections carry forward to policy renewals. • Statutory minimum PIP limits of $2,500 per person and benefit categories for income producers versus non-income producers. • Key operational differences between third-party liability, collision, PIP, and UM/UIM coverages. • Common exam traps involving oral requests, agent customer file notes, and physical contact rules for hit-and-run claims. OpenExamPrep provides independent study tools to support candidates preparing for the Texas General Lines Property and Casualty insurance exam. Practice state-specific questions at https://open-exam-prep.com/practice/tx-property-casualty and watch comprehensive video tutorials at https://www.youtube.com/@Open-exam-prep . Sources checked: September 28, 2026 • https://tcss.legis.texas.gov/resources/IN/htm/IN.1952.htm • https://www.tdi.texas.gov/consumer/index.html