Oregon Personal Injury Protection (“PIP”) Insurance

Should I File a Personal Injury Protection Claim after my Oregon Auto Accident?

Personal Injury Protection coverage is a mandatory part of almost every Oregon auto insurance policy. PIP is a no-fault insurance claim, which means that it does not matter who was at fault in an auto accident. Regardless of whether or not you were responsible, you can file a PIP claim.

PIP insurance covers medical expenses and lost wages for you and any passengers in your vehicle after an Oregon auto accident with injuries. PIP can pay for chiropractic care, co-pays, out-of-pocket prescription costs, or other similar costs. Typical Oregon coverage limits provide for reasonably necessary medical expenses resulting from a motor vehicle collision up to fifteen thousand dollars or one year from the date of the accident, whichever comes first. PIP also covers 70% of your lost wages up to $3,000.00 a month after a fourteen-day waiting period. Filing a claim for PIP coverage and receiving PIP benefits does not prevent a subsequent claim for personal injury arising out of the same collision.

People sometimes hesitate to file PIP claims for fear that their insurance company will raise their rates or terminate their policy. But since PIP insurance is a no-fault claim, it is illegal for insurance companies to either raise rates or terminate your coverage based on a PIP claim. The at-fault driver’s insurance company usually reimburses your insurance company for medical bills paid under your PIP coverage.

If you have been hurt in an Oregon car accident, PIP benefits are most likely available to you. If they are denied, an Oregon personal injury attorney can help you understand whether you may have a claim against your own insurance company as well as the at-fault driver.