Personal Injury Protection - Covers More than You Think?
Personal Injury Protection (PIP) pays for covered expenses regardless of who caused the accident. Not only does it cover medical expenses, it covers lost wages as well as injuries sustained as a pedestrian and bicyclist.
Washington law requires that PIP coverage be offered with every car insurance policy and it must meet certain minimum requirements:
| Personal Injury Protection | |
|---|---|
| Medical Expenses: | $10,000 |
| Funeral Expenses: | $ 2,000 |
| Wage Loss: | $10,000 |
| Essential Services: | $ 5,000 |
Many people think that they have a total of $10,000 in coverage. But this is not the case, besides the $10,000 available for medical expenses, you are also covered for $10,000 of lost wages and $5,000 for ‘essential’ services that you can’t perform due to your injuries.
In another article we will look at why you should carry $35,000 PIP. (Hint: can you make your house payment and buy groceries on $200 a week?)
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