What is PIP and do I need it?
Auto insurance policies sold in Washington state often offer personal injury protection (PIP), which helps pay for certain costs suffered in a collision, including:
- Medical expenses
- Lost wages
- Lost services
- Funeral expenses
There are also things that it won’t cover, including injuries caused when using:
- Farm equipment
- Off-road vehicles
- Injuries sustained while racing
- Injuries sustained while committing a felony
Also — and this is important — PIP does not cover services that your insurer decides are not:
- Related to the accident
- Incurred within three years of the accident
Agents and insurance companies are required to offer PIP coverage, and you must opt out of it if you don’t want it.