The Basics of PIP Coverage in Washington State

Many of our clients encounter the concept of ‘Personal Injury Protection’ (“PIP”) if they are in a car accident and need immediate medical care. We’d like to explain exactly what it is, how it works, and why it’s an important part of every insurance plan.

What is PIP?  

PIP is a part of your insurance policy that covers (up to certain limits) medical expenses, wage loss, loss of services, and funeral services — and it applies no matter who is at fault.

Is PIP required?

PIP is not required, but Washington state law does require that your insurance offers it to you. If they do not offer it to you and receive a rejection in writing, your company must add it to your policy and charge you for it. Sometimes, even if it’s not a part of your policy the insurance company must honor it post — accident if they cannot provide something in writing that the coverage was waived.

How it Works

If you are a ‘named insured’ are injured, PIP coverage kicks in. It covers: persons named on the policy; household residents related by blood, marriage or adoption; and any non-family passenger or pedestrians involved in an accident.

Why it’s Important

Should you find yourself in an auto accident where injuries are incurred, PIP will pay for your medical care as you negotiate with a liable party’s insurance company. If you don’t have it, you will have to pay these costs out of pocket, thus potentially prohibiting the quality of care in your recovery.