Is PIP Insurance Required in Washington State?
Personal Injury Protection (PIP) is a form of insurance coverage that can help cover certain expenses after a motor vehicle accident, no matter which party is at fault. While Washington State doesn’t require drivers to carry PIP insurance, it can offer crucial financial benefits if you’ve been injured in a collision. Most importantly, PIP insurance allows you to have access to immediate funds for accident-related medical treatment without having to incur out-of-pocket costs.
Although PIP insurance is optional in Washington, your insurance company is still required to offer it to you. If you don’t wish to add PIP to your policy, you must reject the insurance company’s offer in writing. Failing to do so will result in your insurer automatically adding it to your policy.
PIP insurance covers the following:
- Medical and hospital costs — PIP will cover up to $10,000 for reasonable and necessary medical expenses for your accident-related injuries. If you purchased additional coverage, it may cover up to $35,000 for the costs of hospital stays, emergency treatment, surgeries and other medical care.
- Lost wages — If you are unable to work due to your injuries for 14 or more consecutive days after the accident, PIP may provide $200 a week for income replacement coverage up to a total of $10,000. If you bought additional coverage, you might be entitled to receive up to $35,000 in lost wages for a maximum of $700 each week.
- Loss of services — If you are unable to perform specific household tasks due to your injuries, PIP will pay up to $200 each week for a total of $5,000 to cover the costs of hiring someone to carry out chores, cleaning, yard work and housework.
- Funeral expenses — PIP will compensate funeral expenses up to $2,000 for each victim who died as a result of the accident.
PIP insurance doesn’t just cover the policyholder — it may also provide benefits to other members of your household, including step-children and foster children. PIP benefits may also compensate injured pedestrians and vehicle passengers who are unrelated to you.
If you have suffered severe injuries in a car accident, your PIP benefits may quickly be exhausted. In these cases, you may be entitled to file a personal injury lawsuit to seek damages and hold the negligent party accountable for their actions.
The aftermath of a car accident can be overwhelming, but you don’t have to go through it alone. With over 20 years of experience serving clients throughout Washington, the personal injury attorneys at Bottimore & Associates, P.L.L.C. will strive to get you the compensation you deserve. Call 253-272-5653 or contact us online to schedule a consultation at our Tacoma office.