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.
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, up to at least $15,000 per person.
We bill your chiropractic and massage care to your PIP claim.
PIP also pays 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 you were a passenger or a pedestrian, ORS 742.526 sets which pays first. We sort this out when we verify your benefits.
What we do for you
- Verify your PIP coverage before your first visit
- Bill your PIP claim directly
- Keep clear records of your injuries and care
Questions about your policy?
Call your insurer, or the Oregon Division of Financial Regulation consumer advocates at 888-877-4894.
More answers: Does Oregon PIP cover chiropractic care?
This page is general information, not legal advice.
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