PIP Coverage: Medical Benefits After Car Accident

Personal Injury Protection Coverage

Optional Coverage -
Waiver Required

Personal Protection

No Deductible

If you are injured in a car accident, the coverage that will take care of your injuries is the personal injury protection (PIP) coverage on your car insurance policy.

The best feature of PIP coverage is its immediate benefits after an accident. PIP is also commonly known as the “no-fault coverage” which means the benefits will apply regardless who was at fault for the accident. 

In this article, we have broken down PIP coverage into the following topics:

Happy family driving in the car in bright sunlight.

How does PIP work? 

PIP coverage will start working as soon as you are able to report the accident to your insurance company. After reporting your accident to your agent or insurance company, you will be assigned a claim number.

With that claim number, you can receive medical care from any doctor or specialist, such as a chiropractor or physical therapist. Simply provided the claim number and the name of your insurance company when you arrive and check in at the hospital or clinic.

In the case of a major accident and emergency situation, the medics and hospital emergency room will treat you right away. Once you or your family is able to report the accident to your insurance agent and file a claim, the claim number can then be provided to the hospital for billing purposes.

What are the benefits of PIP?

More than just medical benefits for the injured driver, PIP benefits can also apply to each of the passengers if they were hurt in the same accident. The coverage limit is applied individually to each person, and each person is covered up to the maximum limit.

In Washington State, PIP coverage limit starts at $10,000 and can go as high as $100,000, depending on your insurance company.

In addition to medical expenses, it also provides benefits for:

  • Loss of income as a result of your injuries.
  • Funeral and final expenses.
  • Essential services such as childcare or cleaning service that you may not be able to perform because of your injuries.

No deductible for PIP

One great feature in PIP coverage is that there is no deductible or out-of-pocket expense when you use the coverage. You and your passengers can afford the entire coverage limit for medical expenses and all the other available benefits.

Pedestrians crossing a busy street in Manhattan.

Benefits even when you are not the driver

In addition to covering you or your passengers in an accident, there are two other scenarios where your PIP coverage may also benefit you. 

First scenario is if you were a pedestrian and you were hit by a vehicle while crossing the street. In this instance, your PIP coverage will be the primary coverage to take care of your injuries. 

Second scenario is if you were hurt in an accident while riding in a friend or coworker’s car and they don't have PIP coverage on their policy. In this situation, the PIP coverage on your own auto policy may help to cover your injuries.

PIP coverage is a great option for many drivers by providing peace of mind of knowing that they don't have to worry about medical bills in the event of an auto-related accident. For someone who may not have access to consistent individual medical insurance coverage. PIP could also be that essential coverage for the much needed medical attention after an accident. 

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