Yes. In Oregon, Personal Injury Protection (PIP) is required on every auto insurance policy, and it usually covers chiropractic care after a car accident. For most patients that means no cost out of pocket, no matter who caused the crash.
What Oregon PIP is
PIP is no-fault medical coverage built into your Oregon auto policy. State law requires at least $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, so you do not have to wait for anyone to accept blame before getting care.
Does PIP cover chiropractic?
Yes. Chiropractic is a covered, recognized treatment for the neck, back, and soft-tissue injuries that are common after a collision. PIP generally pays for your exam, any imaging you need, chiropractic adjustments, and therapeutic massage when it is part of your plan. Whiplash, neck pain, and headaches after a crash are all conditions this care treats.
Will you pay anything out of pocket?
Usually not. As long as your care is reasonable, related to the accident, and your PIP benefits are not used up, treatment is billed directly to your PIP coverage, so there is no bill to you. We verify your coverage before we start so there are no surprises.
How long you have, and what to do
Get evaluated as soon as you can, ideally within the first couple of weeks. Prompt care protects your recovery and your benefits, and it creates the early documentation your claim needs. If you already waited, it is still worth getting checked, because some injuries surface days or weeks later.
We handle the paperwork
We work with PIP claims every day. We bill your PIP directly, coordinate with adjusters and attorneys, and keep the records your claim needs. If you are not sure what is covered, see our guide to the first steps after a crash or just call.
Care at all three clinics
We offer same-day appointments in Oregon City, Milwaukie, and Troutdale, with licensed massage therapists on staff. After a car accident in Oregon, your PIP coverage usually pays for treatment with nothing out of pocket. Book a visit and we will get you in.
Related reading
- What to Do After a Car Accident in Oregon
- How Many Chiropractor Visits After a Car Accident?
- Is Chiropractic Care Safe After a Car Accident?
Common questions
Do I use my own insurance or the other driver’s?
Your own auto policy’s PIP. It is no-fault, so it pays no matter who caused the crash.
What if the accident was not 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 is not used up.
What if I do not have health insurance?
PIP is part of your auto policy, so it covers crash care even without a health plan.
Recent Comments