Is an electronic signature recognized in law as an "acutal signature" for a waiver of PIP?

Hopefully a Texas attorney can jump in here and provide local guidance but electronic signatures are just as binding as 'pen and paper' signatures in almost every jurisdiction these days. This applies to waivers like personal injury protection as well. That being said, you should demand they present your electronic signature to find out in what manner they claim you waived this coverage. For certain things like waivers, electronic signatures can be invalidated because the electronic signature form is presented in such a way as to confuse or conceal the fact that certain things are being waived. Talk to a local attorney to make sure the insurance company is playing fair.

Yes, electronic signatures are generally binding. Welcome to the 21st century! Without knowing what the problem is, it's impossible to determine whether there's any reason the signature should not be recognized in this case, but the fact that it's electronic won't make it invalid.

Yes, an electronic signature will suffice to waive PIP.