Personal Injury Protection (PIP) pays for many important losses following a motor vehicle collision. In Washington, PIP is not required to be on your auto policy but it is highly recommended you get it. It will save you the headache of having to deal with the medical expenses and loss of income that might pile up after a collision.
Who Does PIP Cover in a Motor Vehicle Collision?
PIP covers the following people:
- The named person on the auto insurance policy.
- Family members who live in the same household.
- Adopted, step, foster, and biological children.
- Any passengers in the policy vehicle, bicyclists, or pedestrians involved in the collision.
What Does PIP Pay For?
PIP pays for the following:
- Medical expenses – This includes any medical treatment for injuries you sustained in the collision. For example, if your neck was badly injured PIP would pay for the ambulance to the emergency room; physician, radiology, and facility charges at the hospital; physical therapy for your neck; and any follow-up clinic visits related to neck pain.
- Wage loss – If your physician has instructed you not to work due to your injury after the motor vehicle collision, PIP will begin paying your lost income starting the third consecutive week you’ve been unable to work.
- Loss of household services – If you are too disabled to take care of everyday household chores, such as doing the laundry or mowing the lawn, and need to hire someone who is not a member of your family to take care of the chores, PIP will pay you on a weekly basis until you no longer need outside services or you’ve reached the coverage limit.
- Funeral expenses – If the motor vehicle collision resulted in a fatality, PIP will pay for funeral expenses.
What Payment Limits does PIP Have?
PIP offers multiple options when it comes to coverage limits. Take a look at the below table for different coverage options. Some policies also allow you to mix and match the coverage and limits listed in the table, so make sure to discuss exactly how much coverage you want when you talk to your insurance agent.
|Standard PIP||Enhanced PIP|
|Medical Expenses||$10,000 for each and any passengers in the policy vehicle, bicyclists, or pedestrians involved in the collision||$35,000 for each and any passengers in the policy vehicle, bicyclists, or pedestrians involved in the collision|
|Wage Loss||$10,000 paid as 85% of lost weekly income or $200 per week, whichever is less||$35,000 paid as 85% of lost weekly income or $700 per week, whichever is less|
|Loss of Household Services||$5,000 paid up to $200 per week||$14,600 paid up to $280 per week|
|Funeral Expenses||Up to $2,000||Up to $2,000|
How Do I Know if I Have PIP?
Simply contact your insurance adjuster and ask what coverage you have. If you’ve already been in a motor vehicle collision, personal injury attorneys like The Advocates can request the policy declarations for you and save you the hassle of figuring out if there’s PIP, what the limits are, and contacting medical providers to make sure they are billing PIP properly.
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