Personal Injury Protection (PIP)
PERSONAL INJURY PROTECTION (PIP) in Washington State refers to the coverage included in your auto insurance policy designed to cover your medical expenses, lost wages, and household services following an injury from a car accident. Utilize your PIP benefits, as you have been paying premiums for this protection.
*The information presented is for Washington state only. Some of the information may change based on the state, the insurance company, and the policy type.
PIP BENEFITS:
• PIP pays medical bills for 3 years or $10,000 (or more, depending on your policy).
• PIP pays a portion of your lost income for missing work after a collision.
• PIP pays reimbursement for loss of essential services.
• PIP does not have a deductible or co-pay requirement.
• PIP is no-fault, so it does not matter who caused the collision, you’re covered!
• PIP must be included in your policy unless you rejected it, in writing.
How to apply:
1. Call your insurance company to report the accident.
2. Ask your insurance company to confirm you have PIP and the amount of coverage. (Washington state is usually $10,000 or $35,000)
3. Get your claim number, along with the address and phone number for the claims office and the adjustor assigned to your claim.
4. Provide this information to the medical office