The Washington PIP endorsement states the following: We will pay personal injury protection benefits to or for an insured who sustains bodily injury. The bodily injury must be caused by an accident arising out of the ownership, maintenance or use of a motor vehicle as a motor vehicle. Subject to the limits shown in the Schedule or Declarations for the personal injury protection coverage benefits that apply, personal injury protection benefits consist of the following: all reasonable and necessary expenses incurred within three years from the date of the accident for medical, surgical, x-ray and dental ser-vices; pharmaceuticals, prosthetic devices and eyeglasses; and necessary ambulance, hospital, professional nursing.