What is Personal Injury Protection (PIP) Insurance Coverage?
In Washington State, RCW 48.22.100 (state law) does not require you to have PIP coverage. However the law states that your insurance company is required to offer PIP coverage to you. If you do not want PIP coverage you must reject it in writing. If your insurance company does not obtain a written rejection request from you then they must add the coverage to your policy (you will be charged for it).
Personal Injury Protection (PIP) coverage provides the following minimum benefits:
• Up to $10,000 for medical expenses for each individual injured in an auto accident.
• Up to $200 per week for lost wages (income replacement coverage).
• Up to $2,000 for funeral expenses.
• Up to $5,000 for loss of services (payment to others for work you can't do such as cleaning and yard work).