Personal Injury Protection (PIP) is a no-fault medical payments coverage you can purchase as part of your auto insurance. In Washington in order to decline PIP coverage you must sign a waiver, but that waiver is effective indefinitely – even if you renew the policy and even if you add or change vehicles.
Some people argue that you don’t need to pay for PIP coverage if you already have health insurance, but there are several reasons why PIP coverage is better than health insurance. Those reasons include:
1) No out of pocket expenses
2) No network restrictions
3) No referral requirement
4) Keep more of your personal injury recovery.
The expense of adding PIP coverage to your auto insurance is minimal, but it could save you thousands of dollars and significant hassles if you are ever injured in an accident.
If you have any questions about PIP coverage, or any auto insurance coverage, check out the PIP page on our website, or give us a call. We’d love to hear from you.