What is the validity of an electronically-signed PIP waiver?

Bankruptcy and Debt 3 views 1 answers
I signed up for automobile insurance online (Geico). I didn't elect PIP coverage at the time, but have since been told that unless I signed a waiver rejecting PIP coverage, I do indeed have PIP coverage under Washington State law. I know for a fact that I never signed any document rejecting PIP coverage. I called my insurance today to confirm this and ask for a copy of the signed waiver and they told me that I signed electronically. I don't remember doing that, but does that mean I do not have PIP coverage after all?

Attorney Answer

1
David Brown ·
Here is what I can tell you. Washington requires auto insurance companies to provide PIP coverage if they also provide liability insurance to a party. That is, PIP coverage is mandatory. However, a customer can waive PIP coverage so long as the waiver is in writing and signed by the insured (you). You did the right thing in requesting a copy of your signed waiver. You should demand they provide you a copy of this. If they do not have a copy of your signed (electronic or otherwise) waiver then the PIP waiver is ineffective and you are entitled to PIP benefits. Depending on the format an electronic signature may or may not be acceptable. You may wish to speak with an attorney regarding your entitlement to PIP benefits and to review the signed PIP waiver. Hope this helps. Information posted or made available on or through the Site, including without limitation any responses to legal questions posted on Answers, information provided in Legal Guides, and any other comments, opinions, recommendations, answers, analysis, references, referrals or legally related content or information (collectively "Legal Information") is not intended to create an attorney-client relationship between you and any attorney. Such Legal Information is intended for general informational purposes only and should be used only as a starting point for addressing your legal issues. It is not a substitute for an in-person or telephone consultation with an attorney licensed to practice in your jurisdiction about your specific legal issue, and you should not rely upon such Legal Information. You understand that questions and answers or other postings to the Site are not confidential and are not subject to attorney-client privilege.
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