"PIP" stands for Personal Injury Protection and is a type of insurance you can add to your auto insurance policy.
Who is eligible to receive PIP?
If you drive a car, your insurance company must offer you PIP coverage. If you ride a motorcycle, your insurance company may offer you PIP Coverage, but these policies tend to be very expensive.
Is PIP mandatory?
No, PIP coverage is optional. If you don't want PIP coverage, you must send written notice to your insurance company. Otherwise, PIP will be automatically added to your insurance policy.
Who is covered under PIP?
PIP covers: (1) everyone named on the policy; (2) household residents related by blood, marriage, or adoption; (3) step or foster children; (4) non-family passengers; and (5) pedestrians or bicyclists who are involved in the accident.
What can PIP coverage be used for?
PIP coverage can be used to help pay for things like medical bills, lost wages, loss of essential services, and funeral expenses--regardless of fault (i.e. whether you caused the accident).
How much does PIP cover?
PIP coverage varies depending on how much coverage you elect to purchase. At a minimum, PIP covers the following:
o Up to $10,000 for medical bills (for every person involved in the accident);
o Up to $200 per week for wage loss (with some limitations);
o Up to $2,000 for funeral expenses; and
o Up to $5,000 for loss of services (to non-family members).
What can't PIP coverage be used for?
PIP coverage does not apply to injuries caused by farm equipment, recreational vehicles, off-road vehicles, or mopeds. Additionally, PIP coverage cannot be used if the injury occurred during racing activities, or if the injury occurred during the commission of a felony. Finally, PIP coverage does not apply if the accident was intentionally caused by the insured.
Is there a deductible or co-pay with PIP coverage?
Will using PIP affect my insurance rates?
No, by law your insurance company cannot raise your monthly premiums or cancel your insurance policy for using PIP coverage if you are not at fault for causing the accident. See RCW 46.52.130.
Are there any limitations to using PIP coverage?
PIP coverage is limited to services rendered within three years after the accident occurred. Additionally, all services must be related to the accident. Finally, all services must be deemed "reasonable and necessary" by your insurance company.
How can an attorney help me with PIP coverage?
In a typical personal injury case, there may be several types of insurance coverage available to you. PIP coverage is just one of them. In fact, it is not uncommon for there to be several PIP policies available in a single case, and there are many other types of insurance to consider. Figuring out which insurance policies are available to you and understanding how they relate is essential to maximizing your recovery in a personal injury case.
Hiring an attorney can also help make sure that your PIP claims are accepted by the insurance carrier(s) and paid in a timely fashion. This can be especially helpful when there are multiple claims involved with one or more healthcare providers.
Finally, insurance companies don't always play fair and will often deny claims in an effort to save money. Having an attorney at your side helps keep the insurance companies honest and can significantly improve the outcome of your case.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.
What determines Avvo Rating?
Experience & background
Years licensed, work experience, education
Legal community recognition
Peer endorsements, associations, awards
Legal thought leadership
Publications, speaking engagements
This lawyer was disciplined by a state licensing authority in .
Disciplinary information may not be comprehensive, or updated. We recommend that you always check a lawyer's disciplinary status with their respective state bar association before hiring them.