Crash!  You are hurt in an auto accident.  It is not your fault.  Why the heck does YOUR insurance have to pay for medical costs under your Personal Injury Protection (PIP) when it wasn’t your fault?  Personal Injury Attorney Bill Coats is often asked this question by his clients.  The simple explanation is that the at-fault driver is innocent until proven guilty; even if the police report says it was the other person’s fault.  And the at-fault insurance will usually only pay the medical bills at the time of settlement.  That means that you are responsible to pay your medical bills in the meantime.  This is the purpose of your PIP insurance coverage, to pay your bills upfront.  Personal Injury Attorney Bill Coats also advices everyone to get as much PIP coverage as possible because the minimum of $10k can be eaten up very quickly if you are significantly injured.  An ambulance ride, an ER visit, and diagnostic tests like X-Rays can sometimes cost up to $5,000 or more.  And this is just the first day!!!  Check with your insurance company.  Most will offer at least a maximum amount of $35,000, if not more.  Although all insurance companies offer PIP coverage, here is a partial list for your convenience:

State Farm 


Mutual of Enumclaw


Recent Article