Understanding PIP Insurance in Washington State

Although PIP insurance is not required for drivers in Washington state, auto insurance companies must provide it as an option. PIP insurance allows the policyholder to cover medical or hospital expenses caused by an auto accident injury, regardless of who was at fault.

When it comes to auto insurance, Washington state laws can be somewhat confusing. While Personal Injury Protection (PIP) insurance is not required by law, all insurers must offer it to customers. Essentially, PIP insurance is designed to cover the costs associated with any injuries to you and your passengers, regardless of who was responsible for causing the car accident. Let’s review some basic aspects of PIP insurance so that you can have a better understanding of what your options are when it comes to protecting yourself and your passengers while on the road.

What PIP Covers

In general, PIP insurance covers most medical expenses resulting from a car accident. A typical PIP policy will pay $10,000 for necessary medical or hospital costs for each individual who was injured in the auto accident. You also have the option to pay for more coverage for medical or hospital expenses. Additionally, PIP covers some of your lost wages caused by the injuries. PIP coverage may also compensate non-family members for taking on tasks you cannot perform yourself because of your injuries, such as common household chores. 

Obtaining Payments Quickly

The primary goal of PIP insurance is for policyholders to receive timely compensation for their car accident injuries. Instead of waiting to determine who was at fault for causing the accident, PIP insurance allows you to receive payment that can go towards paying down the costly medical bills and lost wages you are facing after the accident. As soon as you suffer an injury in a car incident, you can contact your auto insurance company to discuss how to obtain your PIP insurance benefits.

Exploring Your Options

Even if you purchase PIP insurance, you can still pursue a claim against the driver or individual who was responsible for the accident. Whether you are wondering whether PIP insurance is right for you, or you need assistance resolving a personal injury or auto insurance issue, the skilled attorneys at Henderson Taylor Law Firm are fully prepared to offer you trusted and effective legal guidance. Call our Vancouver office today at (360) 737-1478 to arrange a consultation.