Washington State has a rule that says if you decline Personal Injury Protection (PIP) you must sign a waiver stating this. If you are hurt in a car accident, Bellingham Washington Attorney Bill Coats advises to always ask for a copy of the waiver if your insurance company says you do not have PIP coverage. If you have not signed one, you will be entitled to PIP coverage. This is just one tip regarding the ins and outs of insurance coverage. Call Bellingham Personal Injury Attorney Bill Coats at 360-303-0601. if you need more information regarding this issue.