Many of our clients encounter the concept of ‘Personal
Injury Protection’ (“PIP”) if they are in a car accident and need immediate
medical care. We’d like to explain exactly what it is, how it works and why its
an important part of every insurance plan.
What is PIP?
PIP is a part of your insurance policy that covers (up to
certain limits) medical expenses, wage loss, loss of services, and funeral
services and it applies no matter who is at fault.
Is PIP required?
PIP is not required, but Washington Law does require that
your insurance offers it to you. If they do not offer it to you and receive a
rejection in writing, your company must add it to your policy and charge you
for it. Sometimes, even if its not a part o your policy the insurance company must
honor it post - accident if they cannot provide something in writing that the
coverage was waived.
How it works:
If you are a ‘named insured’ are injured, PIP coverage kicks
in. It covers 1) persons named on the policy; household residents related by
blood, marriage or adoption, as well as any non-family passenger and
pedestrians involved in an accident.
Why its important.
Should you find yourself in an auto accident where injuries
are incurred, PIP will pay for your medical care as you negotiate with a liable
parties insurance company. If you don’t have it, you will have to pay these
costs out of pocket thus potentially prohibiting the quality of care in your
recovery.
For me information on your rights in a Seattle Auto Accident, please consider contacting a Seattle Personal Injury Attorney.
Our Firm:
520 Kirkland Way, Ste 103
Kirkland, WA 98033
T: (425) 889-9300
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