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.