https://midcolumbiainsurance.com/broad-form-insurance 
Broadform Insurance is insurance for a specific driver (you) to drive owned and non-owned private passenger vehicles instead of insuring a specific car. Broadform Insurance is commonly called “Drivers License Insurance” because it covers the named insured and is not limited to the cars listed on a normal car insurance policy.

Broadform

Broadform Insurance

Pasco Rollover Accident & Personal Injury Protection (PIP)

A recent rollover accident in Pasco that sent two people to the hospital serves as a stark reminder of how quickly life can change on the road. While we can't prevent every accident, we can protect ourselves financially through Personal Injury Protection (PIP) coverage.

What is PIP Coverage? 
Personal Injury Protection, or PIP, is a no-fault insurance coverage that helps pay for expenses following a car accident, regardless of who caused it. In Washington State, while PIP is optional, it provides crucial financial protection that can make a significant difference in your recovery journey.

Key Benefits of PIP Coverage in Washington 
PIP coverage includes several important benefits: 
- Medical Expenses: Up to $10,000 per person (can be increased to $35,000)
- Lost Wages: Up to $200 per week (maximum $10,000)
- Loss of Services: Up to $200 weekly (maximum $5,000) for household help
- Funeral Expenses: Up to $2,000 per person

Why Consider PIP Coverage? 
The true value of PIP goes beyond just financial protection. It provides:
1. Immediate Access to Benefits: Since it's no-fault coverage, you don't have to wait for liability to be determined before receiving help.
2. Peace of Mind: Knowing you're protected allows you to focus on recovery rather than financial stress.
3. Practical Support: Coverage for daily needs like household help ensures you can maintain your quality of life while recovering.

Is PIP Right for You? 
When deciding whether to add PIP coverage to your policy, consider:
- Your current savings and ability to handle unexpected medical expenses
- Your existing health insurance coverage and deductibles
- Your driving habits and exposure to risk
- Your family's financial situation and needs

Taking Action 
Review your current auto insurance policy to see if you have PIP coverage. If you don't, consider speaking with your insurance provider about adding this valuable protection. While it may increase your premium slightly, the comprehensive protection it provides could prove invaluable when you need it most.

Remember, accidents like the one in Pasco can happen to anyone. Having the right insurance coverage isn't just about meeting legal requirements—it's about protecting yourself and your family's financial future.

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Pasco Rollover Accident And Personal Injury Protection (PIP)

Mid-Columbia Insurance

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