PIP is Personal Injury Protection (PIP). PIP is ALWAYS RECOMMENDED FOR EVERYONE. The function of PIP is for your insurance company to step into the shoes of the at-fault party, and pay your medical bill(s) right away. PIP insurance has no deductible, and can be used with any medical provider. This gives you the power to control your healthcare. PIP insurance is mandatory in the State of Oregon, with a limit of at least $15,000. In Washington, PIP can be waived by the customer. Even though the price of PIP is fairly low (generally around $6 per month), many people waive it. Waiving PIP always benefits the insurance company. It’s not a money maker for the industry, and I’ve seen some deceptive practices to encourage waivers. One thing to look out for is the online application process that some insurance companies use. Often times the PIP waiver box is pre-checked on the form. If you do carry PIP, your bills will be paid in a timely manner, with no out-of-pocket expenses to you. PIP will function as your primary insurance for all health care related to the collision. PIP will also cover a percentage of your wage loss for up to a year (this does not apply against your limits).