Oregon Guide to Personal Injury Protection (PIP)
What is PIP?
What is PIP?
How to use PIP?
PIP Deep Dive
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What is Personal Injury Protection (PIP) in Oregon?
Personal Injury Protection (PIP) in Oregon is a type of no-fault insurance coverage that helps pay for medical expenses, lost wages, and other costs resulting from a car accident, regardless of who is at fault. Oregon law requires that all auto insurance policies include PIP coverage, providing at least $15,000 for medical expenses incurred within two years of the accident. PIP may also cover expenses like funeral costs and essential services if the injury prevents you from performing daily tasks. This coverage is designed to ensure immediate financial assistance after an accident.
Using PIP provides immediate financial relief after an accident while protecting your financial health during recovery.
How to use PIP?
File a Claim with Your Insurer:
Notify your auto insurance company about the accident and initiate a PIP claim. PIP covers medical expenses, lost wages, and other related costs, regardless of who was at fault.
Submit Medical Bills and Documentation:
Provide your insurance company with medical bills, wage loss verification, and receipts for other expenses like transportation to medical appointments. Your insurer will review and pay covered expenses up to your PIP limit.
Seek Reimbursement for Lost Wages and Essential Services:
If the accident prevents you from working or performing daily tasks, submit proof of lost wages or essential services (e.g., house cleaning) to receive compensation through your PIP coverage.
Coordinate with Your Health Insurance:
If your medical expenses exceed the PIP coverage, your health insurance may cover additional costs. Be sure to communicate with both insurers to ensure seamless coordination of benefits.
What is Personal Injury Protection (PIP) in Oregon?
Personal Injury Protection (PIP) in Oregon is a type of no-fault insurance coverage that helps pay for medical expenses, lost wages, and other costs resulting from a car accident, regardless of who is at fault. Oregon law requires that all auto insurance policies include PIP coverage, providing at least $15,000 for medical expenses incurred within two years of the accident. PIP may also cover expenses like funeral costs and essential services if the injury prevents you from performing daily tasks. This coverage is designed to ensure immediate financial assistance after an accident.
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