In Washington State, insurance companies must include PIP coverage when selling auto insurance policies. Drivers retain the right to opt out of this coverage. The waiver must be in writing. If there is no documented waiver, the policy automatically includes PIP coverage.
The abovementioned protection encompasses various post-accident expenses, including medical treatment costs, income replacement for work absences, funeral-related expenditures, and supplementary domestic assistance when injury prevents normal household functions.
Though not mandated by state law, PIP merits consideration as it furnishes supplemental protection beyond standard health insurance limitations and potentially insufficient coverage from at-fault parties’ insurance plans.
