Personal Injury Protection (PIP) Insurance Coverage In Washington State

PIP (which stands for Personal Injury Protection) insurance is automobile insurance coverage which will pay your medical, lost wage loss or funeral expenses following a car accident.

Who is at fault for the accident? You? The other driver? It does not matter. If you have PIP coverage it will help cover these expenses (within the coverage amounts).

Washington State Law RCW 48.22.100 does not require that policy holders obtain PIP coverage. But the law dictates that insurance providers must offer PIP coverage to their automobile insurance customers. Policy holders can opt out of PIP coverage in writing. If the insurance provider does not obtain a written rejection authorization from the policy holder then they must add the coverage to the insurance policy.

In Washington State, PIP coverage must, at minimum, provide the following 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).

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