Personal Injury Protection Oregon

Personal Injury Protection In OregonOregon Personal Injury Protection (PIP) insurance covers medical expenses and lost wages for you and any passengers in your vehicle who are injured in an auto accident. It can essentially be thought of as an extension of car insurance that covers the medical expenses and often lost wages no matter who is at fault. That’s right, through your Oregon Personal Injury Protection you will receive the maximum benefits weather you were at fault or not and can even cover expenses like transportation to medical appointments, lawn repair and more!

PIP will also pay for all reasonable and necessary medical expenses, co-pays, out-of-pocket prescription costs, and other similar costs.

Personal Injury Protection Throughout The US

PIP is currently mandatory in 16 states and many states have put personal injury protection laws in place in order to limit the number of lawsuits filed in accidents in order to get compensation for injuries. The personal injury protection laws have freed up the courts in many cases but many still feel that their rights to file a lawsuits have been diminished by the law. Most states have followed with a subsidiary law that allows drivers to bring a lawsuit in certain circumstances.

These circumstances create personal injury protection laws that vary in each state.  For instance even what is covered from state to state can vary; such as, acupuncture will qualify as a medical treatment in Utah while not in California.

Personal Injury Protection in Oregon

Some states have PIP and some do not but every auto policy in Oregon has personal injury protection coverage coverage.  Under Oregon law, the minimum required coverage is $15,000 for medical expenses for up to one year.  In addition, if your injury forces you to miss 14 consecutive days of work, PIP will pay for 70% of your lost income up to $3,000 a month, for up to 52 weeks.  The remaining lost income can be recovered from the at-fault party’s insurance at the end of the case.

For more information on Oregon’s Personal Injury Protection Benefits feel free to browse the governments resources here.

Limitations of Personal Injury Protection in Oregon

Filing a claim for PIP Oregon coverage and receiving PIP benefits does not prevent a subsequent claim for personal injury arising out of the same collision.

Insurance companies will deny medical bills for treatment it believes is either excessive or not related to the accident. PIP Claimants are sometimes sent to an insurance company doctor for what they call an “Independent Medical Examination.”  These doctors are rarely impartial or independent.  They will typically write a report saying that your current treatment is not necessary or related to your accident.

When insurance companies cut off your PIP coverage after an “Independent Medical Exam,” there are still several options to have coverage extended.  The main option is to demand binding arbitration proceedings against the PIP insurer.  At arbitration you can use your own doctors’ testimony to dispute the insurance doctors’ findings.  Over the years we have had great success in getting PIP insurance coverage extended through arbitration proceedings. Ryan Hilts is a personal injury lawyer in Lake Oswego and Portland area.  For more information, contact Ryan today.

Ryan is a member of the Oregon State Bar, the Washington State Bar, and the Oregon Trial Lawyers Association.

Ryan was named a “Rising Star” by Super Lawyers Magazine for six years in a row, a selection for the top attorneys under 40 years old. During those years, he was also listed as one of Oregon's Outstanding Young Lawyers by Portland Monthly Magazine and the American Registry.

Learn More About Ryan

Featured Services

Personal Injury
We take the stress out of personal injury cases so you can focus on getting better. Call today for a free consultation.

Car Accidents
We specialize in auto accident cases. We are skilled at negotiating with insurance companies to get you the compensation you deserve.

Pedestrian Accidents
If you were injured as a result of a careless driver while you were a pedestrian, you may have a claim against the driver. Read more about our practice areas.
My name is Linda and my son in law recommended Ryan Hilts. I did not think I needed a lawyer. My son in law said "If you don't win you don't pay". That made a lot of sense to me. After calling Ryan I realized how comforting it is to have a lawyer. I was in a car accident. The driver was drunk and hit me and took off. A hit and run accident. Ryan told me by Oregon Law I was able to go to the doctors. I was able to get the much needed help. My Chiropractor was amazing. It took time to heal. Ryan was always available and always called me back, when I had any questions. He is a wonderful family man. A man of integrity. He also sent emails and texts to wish our family well on all the Holidays. He went above and beyond what was expected. My case was won without a doubt. I would definitely go back to Ryan for any lawyer needs. He is a good man and you can trust him. Thank you Ryan for everything, words are not enough to express all you did for us.

G. & L. S.

I was recommended to Mr. Hilts by a friend when I had my car accident. I was very impressed with his knowledge and the way he guided me through the process. I appreciated that he always returned my calls and kept me informed about the progress of my case.


I could never say enough good things about Ryan. He was always there to take my calls and answer all of my questions. I really felt like he was working for me; like I was his top priority.


Ryan is a terrific lawyer and a better person. He went above and beyond to reach a settlement in my case and believed in it when no one else did. He’s very intelligent and caring and is always putting the best interests of his clients before his own. Ryan knew more about my case than I even did. He is truly dedicated to his clients, and I can not explain how much I honestly appreciated that. I recommend that you give him a shot if you need to hire an attorney. He won’t let you down.


It was our good fortune to have Ryan Hilts as our attorney. Ryan helped our children avoid a lawsuit and get a successful settlement. He taught us so much. He represented our family with integrity.