Personal Injury Protection Lawyers | Magnuson Lowell, P.S. Redmond

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Personal Injury Lawyer Attorney | Magnuson Lowell Redmond WA Duvall WA 425-885-7500
Personal Injury Lawyer Attorney | Magnuson Lowell Redmond WA Duvall WA

Using Personal Injury Protection Coverage

Do you have personal injury protection issues?

Most people have Personal Injury Protection as part of their auto insurance policy. It is designed to take care of you immediately after an accident.  The purpose of PIP is to protect you from financial turmoil after a serious accident.

Free consultation about your Personal Injury Protection

No attorney's fees unless you obtain money for your Personal Injury Protection injuries.

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.

Are you covered in an underinsured or uninsured motorist accident?

Always Use Your PIP!

  • PIP covers medical bills, a portion of your weekly lost wages, and for household care and cleaning.
  • Your insurance company, by law, cannot cancel your policy for using your PIP.
  • If you have not rejected PIP coverage in writing, then you are deemed to have it.
  • Your insurance company, by law, cannot increase your insurance rates for using your PIP.
  • Open up your PIP claim immediately! If you wait you may find yourself paying for expensive medical bills out of your pocket until your claim is settled.
  • PIP is no-fault, so it doesn't matter who caused the accident, you're still covered.
  • PIP coverage is for a minimum of $10,000. Some policies have higher limits.
  • There is no deductible.
  • If you have coverage on your auto policy, your medical bills get paid on time and you can maintain your treatment schedule uninterrupted.

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 In A Free Consultation

At our firm, your first consultation is free. To schedule yours, please call us at 425-885-7500 or contact us via email.  Contact Magnuson Lowell in Redmond for a free consultation with an experienced personal injury protection attorney committed to helping you find a successful outcome to your legal troubles.