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What Is Personal Injury Protection (PIP) Insurance?

PIP stands for "personal injury protection." Personal injury protection coverage is typically a component of your automobile insurace coverage.

What Does Personal Injury Protection Cover?

PIP insurance pays for your reasonable and necessary medical expenses, regardless of who is at fault for the collision. 

Is PIP Insurance Required In Washington State?

Although the law does not require that you carry Uninsured Motorist/Underinsured Motorist (UM/UIM) or PIP coverage, insurance companies must offer these types of coverages to you.

What If I Don't Have PIP Insurance?

If you choose to reject PIP coverage, your insurance company must record your rejection in writing. An insurance company's failure to obtain your written rejection of PIP coverage prevents the carrier from denying the claim, even if you didn't specifically pay for this type of coverage. 

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Chris Davis
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Chris Davis is the founder of Davis Law Group, P.S. in Seattle, WA.