Pedaling PIP

This article was written by John Duggan and appeared originally in Cascade Courier in May 2007.

I recently received a call from a cyclist (I'll call him Joe) who was hit by a car when he rode his bike through a red light. Joe was taken by ambulance to Harborview where he was diagnosed with a broken collarbone. Joe incurred a $500 ambulance bill and a $2,200 hospital bill. Joe admitted that the crash was his fault and was calling for advice on how to handle the medical bills because he did not have any medical insurance.

Luckily for Joe, most car drivers in Washington carry PIP (Personal Injury Protection) coverage as part of their auto insurance policy and most PIP policies state that regardless of fault, the car driver's insurance will pay reasonable and necessary medical bills for a pedestrian or cyclist involved in an incident with the insured car. Most PIP policies have a maximum medical benefit limit of $10,000.

While this may seem unfair to the car driver, the public policy behind the law makes sense. Washington law requires that car drivers carry liability insurance because cars are dangerous instrumentalities that can cause serious bodily injury. Because not everyone has medical insurance, Washington law requires that insurers offer PIP coverage so that there is some minimal level of medical coverage to cover injuries resulting from car crashes. If a car is involved in an incident with a bicycle or pedestrian, there is a chance that the cyclist or pedestrian does not own a car and therefore may not have PIP coverage. Because the state, as a matter of public policy, does not want injured cyclists or pedestrians to forego medical treatment, Washington law requires that the driver's PIP policy pay the medical bills. While PIP coverage is not mandatory, most drivers have it.

Therefore, in Washington, the order of responsibility for paying medical bills in a bicycle versus car incident, regardless of who was at fault, is as follows: 1. Car's PIP; 2. If the car does not have a PIP policy or if the car's PIP policy is exhausted, then the cyclist's auto PIP policy, if any; 3. If the car does not have PIP or if the car's and cyclist's PIP policies are exhausted then the cyclist's health insurance, if any, steps in to pay. In Joe's case, even if he had medical insurance, his carrier would deny/reject his bills until Joe provided evidence either that there was no applicable PIP policy(ies) or that the PIP policy(ies) had been exhausted.

You should also be aware that most PIP policies also have a modest lost wage benefit (usually the lesser of $200 or 85% of your weekly wage) and an "essential services" benefit which can provide for such things as housecleaning, daycare, etc. The "essential services" and lost wages benefits are in addition to the medical benefits and are also paid by the car's PIP policy regardless of who was at fault for the incident.

Some PIP policies, but not all, require that there be actual contact between the cyclist/bike and the car. Such a policy may not cover a situation where, for example, a car pulls out in front of a cyclist and causes the cyclist to go down, but the car and bike/cyclist do not actually collide.

While the no-fault PIP provisions may at first seem unfair to the car driver's insurance company, there is good reason behind the law and it certainly inures to the benefit of cyclists. If you ride safely, hopefully you can avoid ever having to use PIP insurance!

Ride safely!

Return to Articles