What higher limits must auto insurers offer upon request for PIP coverage?

In Washington State, Personal Injury Protection (PIP) coverage is a type of insurance that pays for medical expenses and other related costs resulting from an automobile accident, regardless of who is at fault. The law mandates that insurers must offer higher limits for PIP coverage upon request, specifically up to $35,000 for medical and hospital benefits.

This figure reflects the state's commitment to ensuring that individuals have adequate access to medical care following an auto accident, as medical expenses can quickly become substantial. The law is designed to provide consumers with the option to enhance their coverage, thereby offering peace of mind and financial support during recovery.

While there are other expense components related to auto insurance, such as funeral expenses and income benefits, the specific requirement to provide the option for higher limits relates directly to medical and hospital benefits, which are the most immediate and critical financial needs following an accident. Thus, the emphasis on $35,000 for these benefits aligns with the objective of protecting policyholders' health and financial stability after an incident.