Using Personal Injury Protection Coverage

Most people have personal injury protection (PIP) as part of their car insurance policy. The purpose of PIP is to protect you from financial turmoil after a serious accident.

At the Law Offices of Magnuson Lowell P.S., our attorneys have extensive experience assisting clients with auto personal injury claims. We understand how PIP can affect a case. We resolve complex personal injury issues for clients in Redmond and throughout Washington.

What Does PIP Cover?

PIP insurance covers your medical bills, part of your lost wages, and household care and cleaning — no matter who caused the accident. PIP policies have no deductible and cover a minimum amount of $10,000.

What Happens If I Don't Open The Claim Right Away?

If you are injured in an accident, it is crucial to use your personal injury protection coverage. If you don't open your PIP claim immediately after an accident, you risk being liable for medical expenses until the claim is settled. Many people cannot afford that. As soon as you file a claim, your PIP coverage will ensure that your medical bills are paid on time, allowing you to continue to seek treatment as you need it.

Can My Insurance Company Penalize Me For Using My PIP Coverage?

No. Your insurance company cannot legally penalize you for using your PIP. If your insurance company raises your rates or cancels your policy, it is in violation of the law.

How To Use Your PIP Coverage:

  1. Call your insurance company. Your agent will be able to tell you if you have PIP coverage and the details of your coverage, including time limits and coverage amounts. They will also be able to file your report of loss claim with the claims office.
  2. Request a PIP application. After your insurance agent provides you with your claim number, call the claims office and ask for a PIP application as well as the attending physician's report and salary verification forms.
  3. Complete the application and forms. Fill out the PIP application yourself. Send the attending physician's report form to your doctor to complete, and have your employer fill out the salary verification form.
  4. Make sure your health care provider has your claim number. This should include your insurance adjuster's name and the location and phone number of the claims office.
  5. Tell your doctors to bill your PIP carrier directly. Make sure they include copies of chart notes for each day of service.

Learn More About PIP Coverage In A Free Consultation

As your personal injury insurance attorneys, the Law Offices of Magnuson Lowell P.S. can help you with this process. Call us at 425-242-4021 or 888-312-9484 to discuss your personal injury case. You may also contact us online.