Why should I carry Personal Injury Protection coverage when I have an excellent medical plan through my employer?

Your medical plan may not give you enough protection and may be subject to a large deductible or co-payment. Personal Injury Protection coverage (also known as PIP) does not have a deductible and covers reasonable and necessary medical and hospital expenses, including dental, nursing, pharmaceuticals, prescription eyeglasses, and prosthetic devices, related to a covered claim. It also pays for loss of income and essential services that must be performed as a result of the injury. All of those benefits apply to you and your passengers.

Now that I've had an accident, how does PIP coverage work? (Personal Injury Protection)

PIP is a "no-fault" coverage, meaning it's available whether you caused the accident or not. It applies in addition to the "liability" coverage that might be available from the driver who caused the accident. PIP covers all occupants of the vehicle, as well as pedestrians and bicyclists hit by the vehicle. Click here for more information on What PIP Covers and FAQs.

Since Washington state requires all drivers to carry Bodily Injury and Property Damage Liability insurance, why do I need to carry Underinsured Motorist coverage?

Despite mandatory insurance laws in most states, approximately one in six drivers across the United States may be driving uninsured, according to a recent study from the Insurance Research Council. Underinsured Motorist provides coverage to you and your passengers for bodily injury and property damage caused by an uninsured (a person who does not have insurance) or underinsured motorist (a person who does not have enough coverage to compensate you for your damages).

What do I do if I get in an automobile accident?

Move your car to the side of the road, if possible. You'll want to gather details from the other party. Next, report the accident to police. Then you'll need to call PEMCO so we can help you with your claim. For information about the claims process, click here.

How do I get my car repaired?

You'll first need to call PEMCO to report the accident or damage to your vehicle. We have several options available to make this process simple and easy. For information on repairing your vehicle, click here. Our Timesaver Repair Program also makes the repair process easy for you.

What should I know before renting a vehicle while my car is being repaired?

We have some helpful tips for renting a vehicle while your car is being repaired.

What do I do if my car is totaled?

There are a couple of options available to you if your car is a "total loss." For information, click here.

Do I get a discount if I have both my auto and home insurance with PEMCO?

Yes, you get up to a 9% discount on auto and up to a 25% discount on home policies.

My children attend school out of state. Do I still need to keep them on my policy even though they won't be driving?

Yes, you should keep them on your policy so they are covered. You can reduce your rate by applying our Away at School Discount and Good Student Discount, if applicable.