Being involved in an automobile collision can pose immediate financial challenges, which is why Personal Injury Protection (PIP), if available within your automobile insurance policy, can be an important resource. Although this coverage is not mandatory in Washington, hopefully you did purchase the extra coverage as it is broad and will help pay medical bills, wage loss, and household services after an automobile-related injury. What is PIP? PIP insurance is “no fault” insurance, meaning it does not matter how the collision happened – the coverage is available to anyone in your car. PIP coverage will apply before any health insurance you have. If you exhaust the available PIP medical coverage, you then should use health insurance to cover collision related medical expenses.
There are many benefits to opening a PIP claim after a collision including having medical bills paid for up to three years after the collision, or up to $10,000 (or more depending on your policy); never having to pay a deductible or co-pay; being covered regardless of who caused the collision since PIP is no-fault; and having protections from your insurance company, which by law cannot raise your insurance rates or cancel your policy for using PIP when filing an accident report.
GLP has highly competent automobile accident injury attorneys on staff ready to help with your car accident injury.
- Call your insurance company to report the collision.
- Ask your insurance company to confirm you have PIP and the amount of coverage.
- Get your claim number, along with the address and phone number for the claims office.
- Call the claims office and speak to the adjuster assigned to your claim.
- Ask the adjuster to mail a PIP Application, Attending Physician’s Report and Salary Verification Form to you as soon as possible.
- Upon receipt, complete the PIP Application and return it to your adjuster as soon as possible.
- Give the Attending Physician’s Report to your doctor to complete and return to your adjuster.
- If you have missed work: Give the Salary Verification Form to your employer to complete and return to your adjuster.
- Provide your claim number, adjuster name, claim office address and phone number to all of your health care providers.
- Instruct all of your healthcare providers to bill your PIP directly, and authorize them to include copies of their chart notes and/or reports for each treatment you receive.
For more information on PIP coverage, check out our PIP card posted on our website here:
On our website, you can also find it by going to our “Resources/Provider Resources” page:
Do not hesitate to reach out to one of our attorneys at an office nearest you. We are always willing and ready to discuss your options and rights for opening a PIP claim.