This guide walks you through the ways you can get your medical bills paid if you are involved in a car accident in Oregon.
What is PIP?
PIP stands for Personal Injury Protection and it is a mandatory coverage for all auto policies issued in Oregon, providing at least $15,000 for medical expenses, or two years, whichever comes first. There is also a wage loss benefit if you miss two or more weeks of work.
How do I know if I have PIP?
If you have an out of state policy, for example Washington or California, PIP is not required in these states and you will need to check your coverages. You can request a declarations page, or reach out for a consultation and I can help you check your coverages. If you have a Washington PIP policy, the minimum coverage is $10,000. California allows PIP or MedPay policies that provide only $5,000 of coverage.
What does PIP cover?
You can use your PIP to pay for any medical expenses that is necessary because of your injury related to the motor vehicle collision. You can use your PIP for ambulance rides, emergency room visits, primary care doctors, specialists, chiropractors, physical therapists, massage therapists, acupuncturists, almost anywhere.
How does PIP work with my health insurance?
PIP is primary, which means PIP will pay first and your health insurance will start paying after your PIP runs out or expires.
PIP for Passengers
In Oregon, the first PIP coverage applicable to you is the coverage of the car in which you were riding. If you have your own auto policy that is different than the policy of the vehicle in which you were a passenger, then you likely have additional PIP coverage that you can use if the first PIP coverage runs out. These policies stack on top of each other, essentially giving you double coverage.
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