What is personal injury protection (PIP) and why do I need it?

What is personal injury protection

What is Personal Injury Protection?

PIP operates as an extension of auto insurance, paying up-front for medical expenses, up to the policy limits, incurred as a result of an auto accident. In addition, PIP includes coverage for wage loss and household help. Unlike liability coverage, PIP applies regardless of who was at fault for the collision and will begin paying benefits right away. Depending on the insurance company, PIP may cost as little as a few dollars extra per month.

PIP coverage applies not only to you but also to certain members of your family, passengers in your vehicle, and any pedestrians injured in the accident, PIP is an affordable way to plan for the unexpected. If you have questions, contact your personal injury attorney and see if PIP is right for you.

Washington state law requires an insurer to offer you Personal Injury Protection (PIP) as part of your automobile insurance policy. Unless you turn down PIP coverage in writing, the insurance company must provide you with PIP coverage.

When you turn down PIP coverage, the insurance company will require you to sign a “PIP waiver” to document that you do not want this coverage. The insurance copy is required to retain the “PIP waiver” you have signed. If you are injured in an automobile accident, and the insurance company cannot produce the signed PIP waiver, the insurer must provide you with PIP coverage to pay for medical treatment for your injuries.

To find out more about PIP coverage in Washington state, check out the Washington State Office of the Insurance Commissioner at: http://www.insurance.wa.gov/consumers/auto/PIP.shtml