Personal injury protection (PIP), also known as “no-fault insurance,” is a component of an automobile insurance plan that covers the healthcare costs, lost wages, childcare, and other expenses associated with a car accident.
What does PIP cover?
PIP covers medical expenses for both injured policyholders and passengers, even if some don’t have health insurance. Health care costs are paid through PIP until the coverage is exhausted. Once exhausted private/public insurance is used.
If the cost of necessary medical care exceeds the auto insurance policy’s PIP limits, health insurance sometimes covers further expenses.
Do I have PIP?
Policies have a per-person maximum, meaning that coverage is limited to a certain amount per person if multiple people are injured in an accident.
In the State of Washington a minimum of $10,000 PIP is required in a policy – UNLESS it is waived in writing.
Need an Attorney?
For a free consultation after a car accident or workplace injury, call Althauser Rayan Abbarno in Centralia or Olympia at (360) 736-1301.