PIP is Personal Injury Protection. It provides no-fault coverage for medical bills and limited wage loss. Typically, coverage is a maximum of $10,000, but higher limits are available. In Washington State, PIP is an optional coverage. However, the insurance company needs to prove you rejected PIP in writing or you are assumed to have it on your automobile insurance. If you are injured on your bike by a person with PIP coverage, the driver's insurance is supposed to pay before your own PIP or health insurance.