Auto Injury Chiropractic

How Oregon PIP Pays for Your Care After a Crash

Personal Injury Protection (PIP) is part of every Oregon auto insurance policy that covers a private passenger vehicle (ORS 742.520). It is paid by your own policy, so you can start care without waiting to see who was at fault.

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Who is covered (ORS 742.520)

The policyholder
Household family members
Children being raised in the household
Passengers in the insured vehicle
Pedestrians struck by the insured vehicle

What it pays for (ORS 742.524)

PIP pays reasonable and necessary medical, hospital, dental, surgical, ambulance, and prosthetic expenses incurred within two years after the injury, with a minimum benefit of $15,000 per person.

We bill your chiropractic and massage care to your PIP claim.

PIP can also pay some lost wages or help with household tasks when you qualify (ORS 742.524).

How bills are handled

Under ORS 742.524, medical expenses are presumed reasonable and necessary unless the insurer denies the charges within 60 days of receiving the provider’s claim. If an insurer denies a claim, it must tell you in writing why and how to contest it (ORS 742.528).

When more than one policy applies

If more than one policy could apply, for example if you were a passenger or a pedestrian, ORS 742.526 sets which pays first. We sort this out when we verify your benefits.

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