Everything You Need to Know About PIP Insurance in Washington State
If you're a motorist in Washington State, you're required to have auto insurance. However, you can also opt for an additional coverage known as Personal Injury Protection (PIP), which offers significant benefits for a relatively low cost per month. Here’s an in-depth look at what PIP can do for you in the event of an accident.
What is PIP Insurance?
Personal Injury Protection (PIP) is an optional add-on to your car insurance policy that covers your immediate medical costs after an auto accident, regardless of who is at fault. The main advantage of PIP is that it provides quick access to funds for medical care from your own insurance company, bypassing the need to wait for the other driver's insurance. Additionally, there are no deductibles or copays with PIP.
PIP applies after your medical insurance, further reducing your out-of-pocket costs.
Is PIP Required in Washington State?
Washington is not one of the 15 states that require motorists to have PIP. However, all insurance carriers in Washington must offer PIP coverage. If you wish to decline it, you must do so in writing. Otherwise, it will be added to your policy, and you will be charged for it. Therefore, you might already have PIP without realizing it.
How Do I Know if I Have PIP Insurance?
To determine if you have PIP insurance, check your auto insurance policy declarations page for a line item labeled “Personal Injury Protection.” If you’re unsure, contact your insurance agent for confirmation.
Who Does PIP Insurance Cover?
PIP covers the policyholder and:
- Immediate members of their household
- Step and/or foster children
- Non-family passengers and pedestrians involved in an accident
What Does PIP Insurance Cover?
PIP focuses on covering people, not property. It covers the following expenses:
- Medical Costs: Up to $10,000 per injured person. You can opt for additional coverage up to $35,000 per person.
- Lost Wages: Up to $200 per week for missed work (up to $10,000 maximum). The injured person must prove they’ve been unable to work for 14 consecutive days for this benefit to apply.
- Loss of Services: Up to $200 per week for services you can’t perform due to the accident (up to $5,000 total). This includes paying for childcare, housework, or yardwork.
- Funeral Expenses: Up to $2,000 for funeral expenses per deceased person covered by the policy.
PIP only covers reasonable costs directly related to the accident. It will pay the actual amount incurred up to the policy limits.
Will PIP Cover Pain and Suffering?
No, PIP does not cover pain and suffering. If another driver caused the accident, you could file a personal injury claim against their insurance for non-economic damages, including pain and suffering.
When Will PIP Not Cover Me?
PIP will not cover you if you were:
- Committing a felony
- Participating in racing activities
- Injured while using motorcycles, farm equipment, mopeds, or off-road/recreational vehicles
You may be able to purchase PIP for motorcycle insurance, though it can be expensive.
How Long Do I Have to Submit a PIP Claim in Washington?
You have up to three years after the accident to submit a PIP claim. Notify your insurance company as soon as possible and keep all relevant records and bills.
What Does “PIP Subrogation” Mean?
PIP subrogation occurs when your insurance company seeks reimbursement from the at-fault driver’s insurance after paying your claim. This process can affect the final settlement amount you receive.
MedPay vs. PIP
MedPay is similar to PIP but only covers medical expenses. PIP, on the other hand, covers medical costs plus lost wages, loss of services, and funeral expenses. Discuss your needs and budget with your insurance agent to choose the best option for you.
Can I Still Receive a Personal Injury Settlement if I Have PIP Insurance?
Yes, having PIP insurance does not prevent you from filing a lawsuit against the at-fault driver. PIP is designed for quick access to funds for minor accidents, and its coverage limits might not be sufficient for severe injuries. Therefore, you might need to seek additional compensation through a personal injury claim.
