Insurance Coverage for Auto Injuries

Understanding your rights in Washington State — how to get chiropractic care covered after a car accident, often with zero out-of-pocket cost.

Does Insurance Cover Chiropractic After an Accident?

Yes — in Washington State, chiropractic care for auto injuries is typically covered in full. Most patients pay nothing out of pocket for treatment after a car accident. There are two main pathways to coverage:

Your Own PIP Coverage

$10,000+

Personal Injury Protection pays for your care regardless of fault. Washington requires a minimum of $10,000 PIP on all auto policies. No deductible in most cases.

At-Fault Driver's Liability

Varies

If the other driver was at fault, their liability insurance covers your medical bills and may compensate for pain and suffering as well.

Washington State PIP Law

Under RCW 48.22.085, all Washington auto insurance policies must include Personal Injury Protection (PIP) coverage with a minimum of $10,000 per person. This coverage applies regardless of who caused the accident and typically has no deductible.

What PIP Covers

Personal Injury Protection (PIP) is the most immediate source of coverage after an accident. Here's what it typically pays for:

  • Chiropractic evaluations, adjustments, and ongoing treatment
  • X-rays and diagnostic imaging related to the accident
  • Physical therapy and rehabilitation
  • Prescription medications for injury-related pain
  • Medical equipment (neck braces, lumbar supports, etc.)
  • Lost wages if injuries prevent you from working (typically 85% of gross wages)
  • Transportation costs to and from medical appointments
  • Replacement services if you can't perform household tasks

How to Use Your PIP

Call your insurance company and tell them you were in an accident and need to use your PIP coverage. They'll give you a claim number. Bring this number to your chiropractor — they'll bill insurance directly so you don't pay anything upfront.

If Someone Else Caused the Accident

When the other driver is at fault, you have additional options beyond your own PIP:

Third-Party Liability Claim

The at-fault driver's liability insurance is responsible for covering your medical expenses, lost wages, and pain and suffering. This is separate from your own PIP and can result in additional compensation.

Should I Use PIP or Wait for the Other Driver's Insurance?

Always use your own PIP first. Here's why:

  • PIP pays immediately — the other driver's insurer may take weeks or months to accept liability
  • Starting treatment quickly is medically important and protects your claim
  • Delaying care can make it harder to prove injuries were caused by the accident
  • Your insurer may recover PIP costs from the at-fault driver's insurer later (subrogation)

Personal Injury Attorney

If the other driver was at fault and your injuries are significant, consulting a personal injury attorney is recommended. Most work on contingency (no fee unless you win) and can help maximize your settlement. Chiropractic documentation from your provider is essential evidence in these cases.

Common Insurance Questions

Will filing a PIP claim raise my insurance rates? +
In Washington State, insurers are generally prohibited from raising your rates solely because you filed a PIP claim after an accident that wasn't your fault. However, policies vary — review your policy or ask your agent directly.
What if I don't have health insurance? +
Your auto insurance PIP coverage works independently of health insurance. As long as you have auto insurance (required by law in Washington), your PIP should cover chiropractic care after an accident — no health insurance needed.
How long do I have to file a claim? +
Washington State has a 3-year statute of limitations for personal injury claims from car accidents. However, you should notify your insurer as soon as possible after the accident — most policies require "prompt notice."
What if the other driver had no insurance? +
Washington requires auto policies to offer Uninsured/Underinsured Motorist (UIM) coverage. If you have UIM coverage, it can compensate you when the at-fault driver is uninsured or underinsured. Your own PIP will also cover your medical treatment regardless.
Do I need a referral to see a chiropractor? +
No. In Washington State, chiropractic care is a portal-of-entry service — meaning you can go directly to a chiropractor without a physician referral. Simply call the office, provide your claim number, and they handle the billing.

How Our Listed Providers Handle Insurance

Every practice featured on AutoInjuryChiropractor.info is experienced with auto injury insurance billing. Here's the typical process:

  • Call the practice and let them know you were in a car accident
  • Provide your auto insurance information and claim number
  • The office verifies your coverage before your first visit
  • Treatment begins — usually within 24–48 hours of calling
  • The practice bills your insurance directly — you pay nothing upfront in most cases
  • All treatment is documented to support your insurance and legal claim