Get the Most Out of Oregon’s PIP Car Accident Coverage

What Is Oregon PIP Car Accident Coverage?

Personal Injury Protection (PIP) is mandatory car insurance coverage in Oregon, offering financial support after car accidents, regardless of fault. It covers expenses like medical bills, lost wages, and even childcare, easing the burden on accident victims. But did you know PIP coverage extends beyond car accidents? It also applies to truck accidents, pedestrian collisions, and even accident victims! Unfortunately, motorcycle accidents are not included.

Key Benefits of Oregon PIP:

• Medical Bills: PIP reimburses medical expenses related to your accident, from doctor visits and surgeries to physical therapy and medication, for up to one year.
  
  
• Lost Wages: If your injuries prevent you from working for at least 14 days, PIP covers 70% of your lost income, up to $3,000 per month for 52 weeks.
  
  
• Funeral Expenses: In tragic cases, PIP helps ease the financial burdenby covering funeral costs for deceased loved ones involved in car accidents.
  
  
• Child Care: If your injuries impact your ability to care for your children, PIP can help with childcare expenses to ensure their well-being.
  
  
• Household Assistance: Recovering from an accident can be challenging. PIP offers assistance with everyday tasks like cleaning and cooking, allowing you to focus on healing.

Remember, PIP is No-Fault Coverage:

Even if you caused the accident, your PIP coverage kicks in first, ensuring your immediate financial needs are met. Insurance companies then sort out faults and reimbursement later.

Beyond PIP Basics:

While PIP offers valuable support, it’s important to understand some limitations;

• Know the Eligibility: You must be the policyholder, a named insured, or an occupant of the insured vehicle to qualify for PIP benefits.

• Wage Compensation: Lost wages require a minimum 14-day work absence for coverage.

• Medical Examinations: Insurance companies may require medical evaluations to determine treatment necessity.

Get Expert Help with Paul Galm Law

Navigating insurance claims and maximizing your PIP benefits can be complex. Schedule a free consultation with Paul Galm Law if you have questions or face challenges. We can advise you on your rights, ensure you receive fair compensation, and guide you through the legal process. 

We are here to help. Together, we can ensure you receive the support you need to recover and move forward after an accident.