Washington State PIP Insurance: What It Covers for Chiropractic Care
TACOMA, WA Car ACCIDENT COVERAGE
Personal injury protection (PIP) is a type of insurance coverage that you can put on your auto insurance policy. It covers specific amounts of medical expenses incurred from an accident. There are some situations where PIP does not apply. However, it can cover chiropractic treatment and massage therapy for car accident injuries.
Insurance Coverage for Car Accident Injuries
After being in a car accident, it can be stressful to know what to do. You may be wondering if insurance will pay for treatment for your injuries. The good news is that there are measures you can take to have full coverage, such as adding personal injury protection (PIP) to your auto policy. Wall Family Chiropractic Center frequently treats people who were injured in car accidents. PIP usually covers our services, which means that you can focus on recovery.
What is Personal Injury Protection (PIP)?
PIP is a type of insurance coverage that you can add to your auto policy. It helps pay for extra costs from car accident injuries, such as lost wages, medical costs, hospital visits, and more. PIP is different from other types of car accident insurance because it will apply no matter which party is at fault. Choosing to add PIP to your coverage is a smart decision.
How much will PIP cover in Washington State?
The amount that PIP covers depends on your specific policy. You may opt to have additional coverage, which will greatly increase the amount that PIP will pay. However, usually it will cover:
- Up to $10,000 for hospital and medical expenses for each person who was injured. This amount can be used for up to three years after the accident.
- Up to $200 a week for lost wages, totaling no more than $10,000. It’s common for a person to have to miss work from a car accident injury. Lost wages coverage lasts a year after the accident.
- Up to $2,000 in funeral costs per person who may have died in an accident.
- Up to $200 a week to pay for services such as childcare and household chores. This can total no more than $5,000.
Who is covered by PIP?
As the name suggests, personal injury protection will cover you, the policyholder. It will also cover family members living in your house, such as your children, foster children, or spouse. PIP will also cover passengers who were in the car when the accident happened, and any pedestrians involved in the accident. It’s important to remember that the car being driven when the car accident occurred needs to be on your auto insurance policy.
What isn’t covered by PIP?
PIP has specific things that it usually doesn’t cover. Accidents that happen involving farm equipment, RVs, ATVs, and mopeds are not covered by personal injury protection. It also usually does not cover motorcycle accidents, unless you pay extra. PIP also doesn’t cover injuries from car races, or if the person injured themself on purpose. If the person was injured while committing a felony, PIP also won’t cover treatment. If the insurance company decides that services are not necessary, accident injury-related, or reasonable, they also won’t cover them.
What PIP in WA State Covers
We talked about how much PIP will pay for, but let’s go over some specifics of what personal injury protection covers. When it comes to medical care, PIP usually pays for doctor appointments, medications, diagnostic imaging (such as MRIs and X-rays), physical therapy, massage therapy, and chiropractic treatment.
PIP considers chiropractic care and massage therapy to be “reasonable and necessary” medical expenses, meaning that they will usually pay for them. That means that you can come to Wall Family Chiropractic Center after being injured in a car accident and use PIP to cover treatment. Your insurance company may require a doctor to recommend seeing a chiropractor before they will pay for it, however.
Car accident victims can really benefit from chiropractic treatment. Oftentimes, auto accidents cause neck and back injuries such as whiplash. They can cause symptoms such as chronic pain, stiffness, headaches, and more. Chiropractic adjustments are an effective way to improve symptoms and feel better.
Wall Family Chiropractic Center also offers massage therapy in Tacoma, which can help ease sore muscles and tendons after you have been in an accident and lower stress levels.
Chiropractic Treatment in Tacoma, WA.
What to Expect at Wall Family Chiropractic
When you schedule a headache consultation at Wall Family Chiropractic, here’s what you can expect:
- Health History Review: We’ll discuss your symptoms, lifestyle, and any past injuries.
- Detailed Evaluation: Our team will check for spinal misalignments, muscle tension, and posture issues.
- Personalized Treatment Plan: Based on your condition, we’ll create a care plan that fits your schedule and lifestyle.
- Ongoing Support: We’ll help you track your progress, adjust your care as needed, and provide guidance on exercise, nutrition, and stress management.
Whether your headaches are tension-related, migraine, or cervicogenic, our goal is to help you find lasting relief.
Why Choose Wall Family Chiropractic in Tacoma, WA?
Wall Family Chiropractic has served the Tacoma community for years, helping local residents live with less pain and better health. We are known for:
- Personalized, one-on-one care
- A natural, drug-free approach to pain relief
- Convenient location in Tacoma, WA
- Flexible scheduling
A full range of services, including chiropractic adjustments, massage therapy, and rehabilitative exercise programs
Meet with Our Team Today
In most cases, your car accident injury recovery treatment is covered under PIP and insurance. Don’t prolong your pain. Get relief today! Contact Wall Family Chiropractic today to schedule your initial consultation. Let us help you find natural, lasting relief.
Summary & FAQ’s
Many people in Tacoma struggle with chronic headaches or migraines. This article explains the most common causes of headaches, why neck and spine issues are often the root cause, and how chiropractic care can provide natural, drug-free relief. Learn how Wall Family Chiropractic combines spinal adjustments, lifestyle advice, and therapeutic techniques to reduce the frequency and intensity of headaches.
How much does PIP coverage cost?
The cost of PIP varies depending on your insurance company, as well as the extent of the coverage you want to pay for. The cost also depends on how many cars are on your policy.
Do I need personal injury protection?
You are not legally required to have PIP coverage, but it’s highly advised. You never know when you might be injured in an accident and will need it.
Do I have to pay back PIP for chiropractic expenses?
No! In most cases, PIP will cover chiropractic care without you having to reimburse your insurance company.