What is Personal Injury Protection (PIP) Insurance?
Personal Injury Protection (PIP) is a type of car insurance coverage that helps pay for medical expenses, lost wages, and other related costs resulting from a car accident, regardless of who is at fault.
Does PIP cover chiropractic care in Washington State?
Yes, PIP in Washington State covers "reasonable and necessary" medical expenses, which include chiropractic care. This means that if you sustain injuries from an auto accident, your PIP coverage can help pay for chiropractic treatments aimed at addressing those injuries. PIP coverage can extend to you even if you were not occupying your vehicle at the time of the accident. This includes situations where you are a pedestrian or bicyclist injured in a collision involving a motor vehicle.
PIP Coverage in WA State, Including Whatcom County
According to the Washington Insurance Commissioner, standard PIP coverage in Washington includes:
- Medical and Hospital Expenses: Up to $10,000 per person for necessary medical and hospital services incurred within three years of the accident.
- Lost Wages: Up to $200 per week, with a maximum of $10,000, provided the injured person is disabled and unable to work for at least 14 consecutive days.
- Loss of Services: Up to $200 per week, with a maximum of $5,000, to pay for services you cannot perform due to your injuries, such as household chores.
- Funeral Expenses: Up to $2,000 for funeral costs.
Yes, in Washington State, including Whatcom County, you have the right to select your own healthcare providers for treatment covered under PIP. This allows you to choose a chiropractor you trust and feel comfortable with.
In Washington State, insurance companies are prohibited from increasing your premiums solely because you use your PIP coverage.
PIP coverage in Washington State applies to medical expenses incurred within three years of the date of the accident. That said, delaying care can lead to chronic pain and long-term complications.
Yes, PIP coverage extends to passengers in your vehicle at the time of the accident, providing them with the same benefits for medical expenses and other covered losses.
To file a PIP claim for chiropractic care:
- Report the Accident: Notify your auto insurance company about the accident as soon as possible.
- Seek Medical Attention: Visit a licensed chiropractor to assess and document your injuries.
- Submit Documentation: Provide your insurer with all necessary medical records, bills, and any other required documentation to support your claim.
At Advanced Sports Chiropractic and Massage, we can help guide you through the process.
