How PIP Insurance Works in Washington State

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If you’ve been in a car accident, knowing how PIP insurance Washington State works could save you thousands. One of the first things your insurance company will mention is PIP — Personal Injury Protection. But most people have no idea what it actually covers, how to use it, or what happens when it runs out.

This guide breaks it down simply, so you know exactly what to expect after an accident.

What Is PIP Insurance?

PIP stands for Personal Injury Protection. In Washington State, PIP is an optional add-on to your auto insurance policy — but it’s one of the most valuable coverages you can have if you’re ever injured in a crash.

Unlike liability insurance (which covers the other driver), PIP covers you — regardless of who was at fault.

What Does PIP Cover in Washington?

Washington State PIP typically covers:

  • Medical and chiropractic treatment related to the accident
  • Lost wages if your injuries prevent you from working
  • Replacement services (household tasks you can’t perform due to injury)
  • Funeral expenses in the event of a fatal accident

Chiropractic care is one of the most common treatments billed through PIP after a car accident — especially for whiplash, neck pain, back pain, and headaches.

How Much PIP Coverage Do You Have?

In Washington State, the minimum PIP coverage is $10,000 per person per accident. Many drivers carry more — $25,000, $35,000, or higher — depending on their policy.

To find out how much you have, call your insurance company and ask specifically: “What is my PIP coverage limit?”

At Palmer Chiropractic, we’ll verify your PIP benefits for you at no charge before your first appointment.

How Does PIP Work With Chiropractic Care?

Here’s how the process works at our office:

  • You come in for your first appointment and we document your injuries thoroughly
  • We bill your PIP insurance directly — you don’t pay out of pocket
  • Treatment continues until you’ve recovered or your PIP benefits are exhausted
  • If PIP runs out, we work with your attorney or health insurance to continue care

There is no upfront cost to you for chiropractic treatment when you have active PIP coverage. We handle the billing so you can focus on recovering.

Do You Have to Use PIP?

No — but you should. PIP is designed specifically for this situation and doesn’t affect your at-fault status. Using it does not mean you’re admitting fault.

If you don’t use PIP and try to wait for the at-fault driver’s liability insurance to pay, you could wait months — and your injuries can worsen in the meantime. PIP gets you into treatment immediately.

What Happens When PIP Runs Out?

If your treatment costs exceed your PIP limit, there are several options:

  • Your health insurance may cover continued treatment (subject to deductibles and copays)
  • An attorney may work on a lien basis — meaning treatment costs are paid when your case settles
  • The at-fault driver’s liability insurance may cover remaining costs once liability is established

We have a formal PIP Exhaustion Policy at Palmer Chiropractic. We’ll walk you through your options before coverage ends so there’s never a gap in your care.

Injured in a Car Accident in Kent WA? Start Treatment Today.

Dr. Brian Bussard has been treating auto accident injuries in Kent WA for over 27 years. We accept PIP insurance, work with attorneys, and make the process as smooth as possible for you.

Frequently Asked Questions About PIP Insurance in Washington State

Does PIP insurance cover chiropractic care? Yes. Chiropractic care is one of the most commonly used PIP benefits after a car accident. Treatment for whiplash, neck pain, back pain, and headaches is typically covered in full up to your policy limit.

How long do I have to use my PIP benefits? In Washington State, you generally have three years from the date of the accident to file a PIP claim. However, it’s best to start treatment as soon as possible — delays can complicate your claim.

Do I need a referral to see a chiropractor under PIP? No referral is needed. You can come directly to Palmer Chiropractic after your accident. We’ll verify your PIP coverage before your first appointment at no charge.

Will using PIP raise my insurance rates? Using PIP in Washington State cannot be used to raise your premiums or cancel your policy. It is a no-fault benefit you’ve already paid for.

Call us at (253) 854-7700 or book online at palmerchiropractic.com. Most patients are seen within 24–48 hours of their accident.

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