What is PIP (Personal Injury Protection) insurance?
PIP is insurance coverage for medical and other expenses, such as wage loss and funeral expenses, which result from an auto accident, no matter who is at fault. You are not required to have PIP coverage in the State of Washington, but the insurance agent must offer you coverage.
The minimum benefits from a basic PIP plan are as follows:
Up to $10,000 for reasonable and necessary medical expenses for each individual injured in an auto accident. This is available for up to three years from the date of the accident.
Up to $200 per week for income replacement coverage. This is limited to one year after a person has been disabled for 14 consecutive days after the accident.
Up to $2,000 for funeral expenses.
Up to $5,000 for loss of services (payment to others for work you can't do).
You can buy more coverage. Check with your insurance company or agent.