Washington being a no-fault state means you can purchase PIP insurance to pay for your medical expenses after a car accident, regardless of fault. Unlike most no-fault states, Washington is an “add-on” no-fault state, which means your right to sue for injuries after an accident is not limited.
Key Things to Know About No-Fault Insurance in Washington
Insurance companies in Washington offer personal injury protection insurance, which is sometimes referred to as no-fault insurance, but drivers are not required to buy it.
No-fault insurance can cover medical expenses for you and your passengers, funeral expenses, lost income, childcare expenses, survivors’ loss, and household services.
No-fault insurance does not cover any property or vehicle damage.
No-fault laws in Washington are meant to lower the rates insurance companies charge consumers for car insurance by reducing legal costs.
No-fault insurance in Washington covers things like medical expenses, loss of income, funeral expenses, and survivors’ loss. In Washington, no-fault insurance may refer to the personal injury protection insurance (PIP) that no-fault states require drivers to carry and Washington drivers can get as optional coverage. Unlike in no-fault states, there are no limits on your ability to sue an at-fault driver after an accident in Washington.… read full answer
What PIP Insurance Covers in Washington
Injuries to other drivers
Damage to other people’s property
Injuries from an accident when you were using your car to make money
Injuries sustained if you were not carrying your state’s minimum coverage requirements
Injuries sustained from an accident you caused intentionally
Injuries sustained when hit by a car while walking or biking
No, personal injury protection (PIP) is not required in Washington – it’s optional. By default, all Washington car insurance policies include at least $10,000 in PIP coverage. But if you don’t want the coverage, you don’t have to carry it (or get any replacement coverage for medical expenses). You just need to notify your insurance company in writing that you would like to decline PIP coverage.… read full answer
Washington drivers who want to cancel their PIP coverage should first check to see if their insurance company has any specific requirements for cancellation (for example, a timeline to follow). Otherwise, all you need to do is send a letter indicating that you were offered the PIP coverage but want to decline it. Include your name, your policy number, and the dates of your policy. Then sign the letter and mail it to your insurance company (ask customer service for the proper mailing address).
Even though PIP insurance isn’t required, it’s still a wise decision to buy some if you can afford it. In Washington, an average of 17.4% of drivers on the road don’t have car insurance. That means you have a 1 in 6 chance that the other driver won’t have insurance if you get into an accident. Car accidents can be extremely expensive, with fatal accidents in Washington alone costing $654 million each year. That makes PIP coverage a good investment.
No, PIP is not required - it's included on all insurance policies, but you can cancel it
Minimum PIP coverage (if not rejected)
State accident laws
Annual cost of insurance
National cost ranking (1=cheap)
Washington drivers pay an average of $1,328 per year. Car insurance in Washington costs a little less than average, despite cities like Seattle, Bellevue, and Tacoma that rank in the top 10 for vehicle theft nationwide.
Drivers in Washington need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $10,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Washington is … read full answeruninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
Here’s How Much Car Insurance Drivers Need in Washington:
Minimum Coverage Limit
Bodily Injury Liability Coverage (per person)
Bodily Injury Liability Coverage (per accident)
Property Damage Liability
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Washington law. Lenders or lessors usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle is worth if it has been stolen or totaled.
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