If you are wondering if Washington is a no-fault insurance state, the answer is no. The at-fault driver uses his or her liability insurance to cover injury sustained by the other party. However, Washington drivers can purchase personal injury protection (PIP) insurance to cover their own injuries following a car accident. If you don’t have PIP, you must wait for the court to determine fault before your expenses can be covered by the at-fault insurance. In the meantime, you could be racking up some serious medical bills. So it’s a good idea to carry PIP if you can.