If you’ve been injured in a car accident, one of your first concerns is likely:
“How will I pay my medical bills or cover lost wages?”
This is where Personal Injury Protection (PIP) insurance plays a critical role.
At Althauser Rayan Abbarno, our personal injury attorneys help clients across Washington State navigate insurance claims and fight for the benefits they deserve. Here’s what every driver should know about PIP coverage—and why it could make all the difference after an accident.
🚙 What is Personal Injury Protection (PIP)?
Personal Injury Protection (PIP) is optional auto insurance coverage in Washington—but it’s included in your policy unless you specifically reject it in writing.
PIP provides immediate, no-fault financial help after a crash—no matter who was at fault. That means you don’t have to wait for another driver’s insurance company to accept responsibility.
Instead, PIP helps cover:
- Medical expenses
- Lost wages
- Funeral costs
- Essential services like child care, transportation, or house cleaning
You only turn to your health insurance after your PIP coverage runs out. Depending on your policy, PIP may cover:
- $10,000 per person per accident, or
- Up to $35,000 over three years
💵 What Does PIP Cover?
When you carry PIP on your auto insurance, it may help pay for:
✅ Medical and hospital bills
✅ Rehabilitation and physical therapy
✅ Lost wages (up to $10,000)
✅ Funeral expenses, if needed
✅ Essential services if you’re unable to perform household duties due to your injuries
This fast, flexible coverage can be a lifesaver—especially when other insurance is delayed or denied.
📊 Why PIP Coverage Is Especially Important in Washington State
🚨 Washington Has One of the Highest Uninsured Driver Rates
According to the Insurance Research Council:
- 21.7% of Washington drivers are uninsured
- That’s nearly 1 in 5 drivers
- More than 750,000 people are behind the wheel without insurance
If you’re in a crash with an uninsured or underinsured driver and don’t have PIP or uninsured motorist coverage, you may be stuck with out-of-pocket expenses and no legal recourse.
💡 How PIP Protects You—Even When Others Don’t
You can’t control what other drivers do—but you can protect yourself.
PIP coverage gives you fast access to care and support, without waiting for claim approval or legal battles. It helps you recover while keeping your finances stable.
👨⚖️ Free Injury Consultations with Althauser Rayan Abbarno
Our experienced legal team at Althauser Rayan Abbarno is here to help injury victims in Centralia, Olympia, and throughout Washington State. We explain your rights, review your coverage, and make sure you get the compensation and care you need.
Why Clients Choose Us:
✅ Free personal injury consultations
✅ Local offices in Centralia
✅ 75+ years of combined experience
✅ We handle all insurance communications so you can focus on healing
🌐 Se habla español. ¡Estamos aquí para ayudar!
📞 Call us at (360) 736-1301 or visit CentraliaLaw.com to schedule your free consultation today.
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