Take the 2-minute tour ×
Personal Finance & Money Stack Exchange is a question and answer site for people who want to be financially literate. It's 100% free, no registration required.

I'm renewing my auto insurance policy and found that +10% of the renewal quote is for a Personal Injury Protection. My health insurance is adequate (for now) and the protection from the rider seems paltry ($10k medical/hospital per person, $2k funeral costs). From everything I've read online, I don't see the value of keeping the PIP rider. Am I missing something? Does this protect me if I'm transporting someone without health insurance or against personal liability (seems like the other riders should do that)?

I'm in Washington state and it doesn't look like the PIP rider is required.

share|improve this question
add comment

1 Answer

up vote 1 down vote accepted

Quoted from https://www.dmv.org/insurance/personal-injury-protection.php

Personal injury protection (or PIP, for short) is a type of medical payments coverage added on to an auto >insurance policy that provides you, the policyholder―as well as your passengers, relatives living in your home, >and drivers authorized to operate your vehicle―with medical coverage for immediate and subsequent injuries >sustained during an auto accident.

PIP also covers you and your family if you’re injured in a car accident while in someone else’s vehicle and, in >some states, if you’re struck by a vehicle while you’re a pedestrian.

So if everyone you are driving with is covered by Personal Health Insurance, you may not need to go for this.

share|improve this answer
add comment

Your Answer

 
discard

By posting your answer, you agree to the privacy policy and terms of service.

Not the answer you're looking for? Browse other questions tagged or ask your own question.