Personal Injury Protection (PIP) is insurance coverage which
is added to an auto insurance policy. PIP is not required in Washington State,
but insurers are required to offer it. Generally speaking, PIP pays out
regardless of who is at fault and applies to all parties injured in the
automobile accident (some exceptions below). Pedestrians and bicyclists injured
by an automobile are also covered.
What does PIP cover?
·
Medical Expenses:
Minimum of $10,000 for reasonable and
necessary medical expenses for each person injured in an automobile accident
Available up to three years from the date
of the accident
·
Loss of Wages “income continuation benefits”:
Minimum of $10,000, subject to a limit of
$200 per week
·
Loss of Services: (payment to non-family members
for work the injured party cannot perform)
Minimum of $5,000, subject to a limit of
$200 per week
·
Funeral Expenses:
Minimum of $2,000
RCW 48.22.095
Insured parties have the option to increase PIP coverage upon
request, at a higher monthly premium, to $35,000 for medical expenses, $35,000
for income continuation benefits and $14,600 for loss of services.
RCW 48.22.100
Exceptions: What is
not covered by PIP?
It doesn’t cover injuries caused by using:
·
Farm equipment
·
Recreational or off-road vehicles
·
Mopeds
·
Motorcycles (coverage may be available on
motorcycle policies at a high price)
In addition, Washington law states that PIP does not cover:
·
Intentional, self-inflicted injuries caused by the
insured person
·
Injuries sustained by insured person participating
in, or preparing for, a prearranged or organized speed or racing contest
·
Injuries to the insured person while using
automobile in commission of a felony
RCW 48.22.090
How do I get PIP?
Washington State law requires insurance companies to offer
you PIP when signing up for auto insurance. Although PIP coverage is optional,
it is most likely already included in the insurance company’s initial offer. An
insured person has the option to reject PIP coverage, but that waiver must be
in writing. Once an insured person has successfully waived his or her PIP
coverage, the insurance company is released from coverage of all individuals
who would have been covered under PIP. An insured party does have the ability
to request coverage at a later date, but that request must also be in writing.
Injured people often think they do not have PIP when they
actually do. An insurance company will not readily offer up coverage if the insured
does not file a claim. Simply put, if you have not waived PIP insurance in writing
then you are covered. Getting compensation following an injury stemming from
automobile accident can greatly reduce the stress associated with such an event.
There is a reason Washington State requires insurance companies to offer it:
injuries can be costly.
If you have questions regarding your auto accident injury or
PIP coverage, consider contacting a Seattle Automobile Injury Lawyer.
Weitz Law Firm, PLLC
520 Kirkland Way, Suite 103
Kirkland, Washington 98033
www.weitzlawfirm.com
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