Oregon 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. PIP is required in all Oregon car insurance policies and covers medical expenses and lost wages regardless of who is at fault. Oregon Personal Injury Protection can also cover additional expenses such as essential services.
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 Oregon
Every auto policy in Oregon has personal injury protection coverage. Under Oregon law, the minimum required coverage is $15,000 for medical expenses for up to two years. In addition, if your injury forces you to miss 14 consecutive days of work, PIP will pay 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 in any way prevent a later 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, such as filing a breach of contract lawsuit against your own company for denying benefits related to the accident. Over the years we have had great success in getting PIP insurance coverage extended on behalf of our clients. Ryan Hilts is a personal injury lawyer in Lake Oswego and Portland area. For more information, contact Ryan today. You can also email directly to firstname.lastname@example.org.