If you’ve been in a car accident in Washington State, one of the first questions you may have is whether your auto insurance will cover chiropractic treatment. The short answer is yes — in most cases. Here’s exactly how it works.
What Is PIP?
PIP stands for Personal Injury Protection. Washington State requires all auto insurance policies to include PIP coverage unless the policyholder explicitly rejects it in writing. PIP is a no-fault coverage — meaning it pays for your medical treatment after an accident regardless of who caused the collision.
The minimum PIP coverage in Washington is $10,000 per person, though many policies carry higher limits. PIP covers medical expenses, lost wages, and funeral costs in the event of a fatal accident.
Does PIP Cover Chiropractic?
Yes. Washington State PIP coverage includes chiropractic care as an eligible medical expense. This means your chiropractic adjustments, X-rays, spinal decompression, and other treatments at Mukilteo Chiropractic can all be billed directly to your PIP coverage.
You do not need to wait for fault to be determined. You do not need to pay out of pocket and wait for reimbursement. Treatment can begin right away.
How to Use Your PIP Coverage
When you call your insurance company after an accident, let them know you’d like to open a PIP claim. They’ll give you a claim number. When you call Mukilteo Chiropractic to schedule your appointment, have that claim number ready and we’ll handle the billing from there.
You do not need a referral from a primary care doctor to begin chiropractic treatment under PIP in Washington State.
What If My PIP Runs Out?
If your injuries require treatment beyond what your PIP limit covers, and you’re working with a personal injury attorney, your attorney may be able to arrange a letter of protection. This allows you to continue treatment with the understanding that your provider will be paid from your settlement when the case resolves.
At Mukilteo Chiropractic we have experience working with personal injury attorneys and can coordinate directly with your legal team if needed.
Start Treatment Sooner Rather Than Later
One important thing to be aware of — PIP claims are time sensitive. Washington State has a three year statute of limitations on personal injury claims, but insurance companies may push back on treatment that begins long after the accident. Starting care promptly after a collision creates a stronger medical record and a cleaner claim.
If you’ve been in an accident and aren’t sure whether you have PIP coverage or how to use it, Call us at 425-353-1011. We’ll help you figure it out before your first appointment — at no cost and no obligation.
