What option does the named insured have regarding PIP coverage?

The named insured has the option to reject Personal Injury Protection (PIP) coverage in writing. This means that when acquiring an auto insurance policy, the insured has a choice regarding whether to include this particular coverage. If the named insured decides they do not want PIP coverage, they can formally decline it; this rejection must be documented in writing to be valid.

PIP coverage is designed to pay for medical expenses, rehabilitation costs, and sometimes lost wages, regardless of who is at fault in an accident. Not all states require PIP; however, in Washington, it is offered as an option. By allowing the named insured to reject PIP coverage, the insurance system gives individuals the flexibility to choose a policy that best meets their needs and financial situation.

In this context, the other options do not correctly describe the provisions regarding PIP coverage. For example, PIP coverage is not mandatory for all insured individuals in Washington, and insurers are not required to automatically include PIP in renewal policies or offer increased premiums solely based on PIP options. Thus, the ability to decline PIP coverage in writing is the correct and most accurate depiction of the named insured's option.