Washington Personal Injury Protection???
I usually receive a blank stare when I ask if someone has PIP coverage, but it's a very important and fairly inexpensive coverage on your automobile policy. PIP coverage has to be offered to you when you obtain an automobile insurance policy and has to be rejected in writing if you do not want the coverage. PIP is generally available with limits of $10,000.00 or $35,000.00.
PIP will pay for accident related medical expenses, wage loss (up to a maximum amount per week set by the policy), and necessary household expenses such as house cleaning and yard services. PIP is no fault coverage, which means it is available to you regardless of your fault for the accident. PIP is especially important if you do not have health insurance, otherwise, obtaining medical care in the event of an auto accident is very difficult.
Perhaps the biggest misconception regarding PIP coverage is that is really isn't needed if you aren't at fault for an accident, since the other insurance company will pay for your medical expenses. While this is technically true, they have no obligation to pay as you incur your treatment which is critical. Their only obligation is to pay for your damages either through settlement or verdict, after you have incurred your medical expenses.
If you do not have PIP coverage or simply don't know if you do or not, contact your insurance agent and have it added. It's costs very little so you get a lot of bang for your buck if you ever need it.
