Ask about personal injury protection

Washington insurers must offer personal injury protection, often called PIP. Ask your auto insurer whether it’s on your policy, whether it applies to this crash, and what records to send.

Write down the claim number, your adjuster’s name, and how to reach them. Ask about deadlines and how to confirm the status of a bill. Washington’s PIP guide.

Check with your health plan

• Which policy should be billed first for care related to this crash?
• Do you need an accident questionnaire or a decision from my auto insurer?
• Is the clinician or facility in network? Do visits, imaging, or therapy require a referral or approval?
• What costs might I owe, and what deadlines should I keep track of?

Ask for a reference number or written confirmation so you can refer to it later. Washington’s guide to health claims.

Keep your documents together

Keep copies of bills, any insurer decisions, and visit summaries. If a claim is denied, ask for the reason in writing and check the deadline to appeal. Washington’s guide to health insurance appeals.