Short answer: yes. In Oregon, Personal Injury Protection (PIP) is required on every auto insurance policy, and it typically covers chiropractic care after a car accident — often with $0 out of pocket for you, no matter who caused the crash.
What is Oregon PIP?
Personal Injury Protection is no-fault medical coverage built into your Oregon auto policy. Oregon law requires a minimum of $15,000 in PIP medical benefits per person, generally available for up to two years after the accident. “No-fault” means your own PIP pays for your treatment regardless of who was at fault — you don’t have to wait for anyone to accept blame before getting care.
Does PIP cover chiropractic specifically?
Yes. Chiropractic is a recognized, covered treatment for the neck, back, and soft-tissue injuries that are so common after a collision. PIP generally covers your initial exam, any necessary imaging, chiropractic adjustments, and therapeutic massage when it’s part of your treatment plan. Whiplash, neck pain, back pain, and headaches after a crash are exactly what this care is designed to address.
Will I pay anything out of pocket?
Usually not. As long as your care is reasonable, related to the accident, and your PIP benefits haven’t been used up, your treatment is typically billed directly to your PIP coverage — meaning no bill to you. We verify your coverage up front so there are no surprises.
How long do I have — and what should you do now?
Get evaluated as soon as possible, ideally within the first couple of weeks. Prompt care protects both your recovery and your benefits, and it creates the early documentation your claim needs. If you’ve already waited, it’s still worth getting checked — some injuries surface days or weeks later.
We handle the paperwork
At Auto Injury Chiropractic we work with PIP claims every day across our Oregon City, Milwaukie, and Troutdale clinics. We bill your PIP directly, coordinate with adjusters and attorneys, and keep the records your claim needs. Not sure what’s covered? See our insurance page or just call — book a same-day visit and we’ll sort out the coverage for you.
Related reading: What to do after a car accident in Oregon and Whiplash recovery timeline: what to expect.
Frequently asked questions
Do I use my own insurance or the other driver’s?
Your own auto policy’s PIP. It’s no-fault, so it pays regardless of who caused the crash.
What if the accident wasn’t my fault?
Your PIP still pays first. You may also have a separate claim against the at-fault driver.
Will I have a copay?
Generally no, as long as care is accident-related and your PIP isn’t exhausted.
What if I don’t have health insurance?
PIP is part of your auto policy, so it covers crash care even without a health plan.
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