Personal Injury Protection (PIP)
Personal Injury Protection is coverage under your auto insurance policy that will pay your medical bills (including doctor, physical therapy, and other visits), wage loss, and household services immediately after your accident. It is likely that you have PIP coverage if you have auto insurance in the State of WA. PIP coverage is designed for you to get medical help quickly without needing an authorization, using an approved (by the insurance) doctor, and other hassles - you can go to the medical professional (doctor, physical therapist, massage therapist) of your choice.
Use your PIP Benefits!
Open your PIP claim immediately after an accident
You shouldn’t have to pay expensive medical bills (including co-pay, co-insurance, etc) our of your pocket
Use your PIP benefits; that’s why you have them.
How to open your Claim:
Call your insurance company to report your accident
Ask to confirm you have PIP coverage and the amount
Get your claim number and phone number of the claims office
Call the claims office and speak to the adjusted assigned to you
Provide your claim number to your health care provider, and instruct them to bill your PIP directly.
PIP Benefits:
PIP pays medical bills for 3 years or $10,000 (or more depending on your policy).
PIP pays a portion of your lost income for missing work after an accident.
PIP pays reimbursement for loss of essential services .
PIP does not have a deductible or co-pay requirement.
PIP is no-fault, so it does not matter who caused the accident, you are covered!
PIP must be included in your policy unless you rejected it, in writing,
BY LAW, your insurance can not raise your rates for using PIP.
BY LAW, your insurance company can not cancel your policy for using PIP.