Personal Injury Protection, or PIP, is optional but widely held coverage that pays your medical expenses and certain other losses after a crash regardless of who was at fault. Understanding PIP helps Washington drivers get prompt care.
What PIP Covers
PIP can cover medical expenses, a portion of lost wages, and certain other costs after a crash, no matter who caused it. It provides quick access to care without waiting for a liability determination.
Under RCW 48.22.085, insurers must offer PIP, and a rejection must be in writing.
PIP and Your Injury Claim
PIP is separate from a claim against the at-fault driver. Using PIP does not bar you from pursuing the at-fault party, though coordination and reimbursement rules apply.
PIP can be especially valuable while a liability claim is pending.
Making the Most of PIP
Knowing your PIP limits and how to use them ensures you get prompt treatment. An attorney can help coordinate PIP with your broader claim.
If you were injured in a Washington crash, a free case review can help you understand your coverage.
Have questions about your own situation? Get a free, confidential case review. You pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Washington attorney.