Who is covered under Personal Injury Protection (PIP) in Washington?

Personal Injury Protection (PIP) is a part of auto insurance in Washington that provides coverage for medical expenses, lost wages, and other related costs regardless of who is at fault in an accident. The correct choice encompasses a wide range of individuals who are covered under PIP.

Household residents related by blood, marriage, or adoption are specifically included in PIP coverage, ensuring that family members are protected regardless of the driver at fault. Moreover, pedestrians involved in an accident are also covered. This is significant, as it indicates that PIP is designed to provide a broader safety net, not limited to only those in the insured vehicle or those who have a close relationship with the policyholder.

This comprehensive coverage reflects the intent of PIP, which is to prioritize the medical care of individuals affected by an accident. Such a provision in PIP enables it to address the potential medical needs of various affected parties, ensuring that they receive the necessary support without undue concern over liability in the moment of an accident.

Other options are more limited in their definitions, only covering specific groups or relationships, which do not fully articulate the broad scope of coverage meant to protect different parties involved in an accident scenario.