Personal Injury Protection (PIP) in Washington

PIP stands for personal insurance protection(personal injury protection), and it is an extension of car insurance that covers medical expenses and, in many cases, lost wages. It is often called “no-fault” coverage because its inherent comprehensiveness pays out claims agnostic of who is at fault in the accident.

You might consider increasing the Personal Injury Protection (PIP) coverage on your policy from the minimum of $10,000 to $35,000.

Personal Injury Protection at $10,000 level provides the following benefits:

Up to limit of $ 10,000 for reasonable and necessary medical expense for each person injured in an auto accident.

Up to $200 per week for income replacement (some companies define as Income continuation benefits) coverage. This benefit is limited to the lesser of (1) $200 per week or (2) 85% off the insured’s weekly income from work. Usually it is limited to one year after someone 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 non-family members for work you can’t do).

Increasing the coverage to the $ 35,000 option would provide the following benefits:

Up to limit of $ 35,000 for reasonable and necessary medical expense for each person injured in an auto accident.

Up to $700 per week for income replacement (some companies define as Income continuation benefits) coverage. This benefit is limited to the lesser of (1) $700 per week or (2) 85% off the insured’s weekly income from work. Usually it is limited to one year after someone has been disabled for 14 consecutive days after the accident.

Up to $ 2,000 for funeral expenses.

Up to $ 14,600 for loss of services (payment to non-family members for work you can’t do).