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Featured / 12.18.2024

Will My Insurance Rates Go Up If I Use My Personal Injury Protection (PIP)?

In Washington State, while not mandatory, Personal Injury Protection (PIP) is an optional add-on to your auto insurance policy. All insurance carriers are required to offer this coverage, but you have the right to decline it in writing. 

Many patients wonder: Will using my PIP coverage lead to higher insurance premiums? This is a valid concern, and understanding how PIP works is crucial. 

PIP insurance plays a vital role in providing immediate financial relief following an accident, ensuring you have access to necessary medical care without delay. We have had many patients delay or avoid treatment due to the fear of their insurance rates increasing.

Northwest Injury Clinics specializes in treating and the rehabilitation of those who were in a car accident. We understand that hospital bills, chiropractic care, concussion treatment, and physical therapy can become expensive. Thankfully, Washington State has laws in place to protect consumers from these types of predatory insurance company tactics. 

What is PIP?

When you are in a car accident, you could be facing a months or even year-long wait before you receive financial compensation for your insurance claims, which could delay your medical care. Filing for your PIP insurance can help cover medical expenses for you or any injured passengers, and it doesn’t matter who is at fault for the accident. Personal Injury Protection, more commonly known as PIP, is a type of no-fault insurance that provides injured drivers a certain amount of funds to cover specific expenses, such as chiropractic care and physical therapy. 

Benefits of Using PIP

After being involved in an accident, you can use your PIP to help cover any immediate expenses that can strain your family financially. The most significant benefit of using your PIP is quick access to the funds you need. 

  • Faster access to care: PIP allows you to get the medical treatment you need right away, without waiting for other insurance claims to be processed.
  • Covers essential expenses: PIP can help cover costs like doctor visits, physical therapy, chiropractic care, and even lost wages.

PIP will cover these costs if they directly result from the accident. Plus, the coverage extends to other passengers or those involved in the accident. 

Does PIP Impact Your Insurance Rates?

When using PIP, the most frequent concern is how it will impact your insurance rates. Does PIP really affect your insurance rates? The answer, unfortunately, varies. Your PIP insurance rate should stay the same even when you use the coverage. Any rate increases depend on your insurance company and if you were at fault for the accident. 

While some concerns exist, using PIP coverage itself should not significantly impact your insurance rates. However, factors like:

  • A history of frequent PIP claims: This may make you appear as a higher risk to insurance companies.
  • At-fault accidents: If you are frequently involved in accidents, it can lead to higher premiums.

Focus on Your Recovery

At Northwest Injury Clinics, we understand that recovering from a car accident can be challenging. You shouldn't have to worry about insurance complexities while you focus on healing.

We specialize in treating and rehabilitating individuals injured in car accidents, and we are here to guide you through the recovery process. We work with patients to ensure they receive the necessary care, including:

Don't let the fear of rising insurance rates prevent you from getting the care you deserve. Contact Northwest Injury Clinics today to schedule an appointment and start your recovery journey.

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The information on this website is for general information purposes only. Nothing on this site should be taken as advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute client relationship.
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