What is “PIP” Insurance?

• Oregon Personal Injury Protection Insurance
• You are injured in an auto, bicycle, pedestrian accident, your auto insurance will cover up to $15,000 in no-fault medical coverage within the first year, and up to $3,000 in lost wages for 52 weeks.
• Motorcycle insurance is not always as comprehensive.

Does it matter that I wasn’t driving and my car wasn’t even involved? Or if I don’t have insurance?

• No – PIP coverage protects passengers of a car, as well as pedestrians and cyclists hit by a car. If you have auto insurance, your policy will cover you in any of these situations. If you do not have auto insurance or health insurance, then the driver’s insurance should pay your medical bills.

Will the insurance cover any and all medical bills?

• Your insurance should pay for medically necessary medical expenses within the first year, if they are reasonable and related to the accident, up to your policy limit (usually $15,000).

What if my insurance company doesn’t pay when and what I think they should?

• Some people hire an attorney to help make sure the insurance company pays. There are many attorneys who specialize in these types of cases.
• All people benefit from asking lots of questions of your doctors, your insurance company, and your attorney if you have one.

What if my care exceeds $15,000?

• If you have medical insurance, it will usually pay additional amounts. But you may have deductibles, copays, coinsurances, or exclusions. If you do not have health insurance, you may be billed personally for that amount.

Am I required to see certain doctors or specialists?

• Oregon PIP insurance is required to pay for any reasonable and necessary treatment that you have, at the doctor of your choice.

Absolute Wellness Center in Eugene, OR offers chiropractic medicine, sports medicine, naturopathic medicine, physical rehabilitation, acupuncture, and therapeutic massage. If you have been injured in a car accident, getting a through exam is the first step to determining whether you are simply sore, or whether proper treatment may prevent chronic pain down the road. We are happy to answer any questions you may have about your injury, your personal injury insurance, and next steps. Click here to contact us or give us a call at 541-484-5777.