What does no-fault insurance mean in Washington state?

No-fault insurance is a type of car insurance policy that is designed to provide coverage for medical expenses and lost wages for drivers and passengers who are injured in a car accident, regardless of who is at fault for the accident. In Washington state, no-fault insurance is also known as Personal Injury Protection (PIP) insurance.

Under Washington state law, all drivers are required to carry a minimum of $10,000 in PIP coverage as part of their auto insurance policy. This coverage is designed to provide quick and efficient payment for medical expenses and lost wages for anyone injured in an auto accident, regardless of who caused the accident.

Here are some important things to know about no-fault insurance in Washington state:

1. PIP Coverage: In Washington state, PIP coverage is mandatory and provides a minimum of $10,000 in coverage for medical expenses and lost wages resulting from a car accident, regardless of who is at fault.
2. Covered Expenses: PIP insurance covers a variety of expenses related to medical treatment and lost wages, including hospital bills, doctor visits, surgery, physical therapy, and lost income due to inability to work.
3. Time Limits: Washington state law requires that PIP claims be filed within one year of the accident. Failure to file within the time limit may result in the forfeiture of benefits.
4. Choice of Medical Providers: Under PIP insurance, injured parties have the right to choose their own medical providers, including chiropractors, physical therapists, and other specialists.
5. Coordination of Benefits: PIP insurance may be coordinated with other insurance policies, such as health insurance or disability insurance, to ensure that injured parties receive the maximum benefits available.

In summary, no-fault insurance, also known as PIP insurance, is mandatory in Washington state and provides coverage for medical expenses and lost wages resulting from a car accident, regardless of who is at fault. If you are involved in a car accident in Washington state, it is important to understand your PIP coverage and how it can help cover your expenses and lost wages. Consult with an experienced insurance agent or attorney or a chiropractic physician at SpineCore chiropractic for more information on PIP coverage and your legal rights under Washington state law.