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Your liability coverage may include Personal Injury Protection ("PIP") or Medical Payments ("Med Pay") benefits. PIP provides a source of payment for YOUR medical bills and some of YOUR wage loss following an auto accident. Further, PIP is no-fault, meaning that it will begin paying on your injuries immediately, rather than waiting for liability to be determined. Similarly, Med Pay provides some coverage for YOUR medical bills. These are called "no-fault" coverages because they pay even if the accident is your fault.
Use this article as general information to understand the issue, preserve useful records, and identify the next questions to ask an attorney about your own facts.
Published March 23, 2020
PIP provides a source of payment for YOUR medical bills and some of YOUR wage loss following an auto accident. Further, PIP is no-fault, meaning that it will begin paying on your injuries immediately, rather than waiting for liability to be determined. Similarly, Med Pay provides some coverage for YOUR medical bills. These are called "no-fault" coverages because they pay even if the accident is your fault.
By law, every auto insurance policy sold in Oregon must include personal injury protection (PIP), which is called "no-fault," providing coverage if you’re injured while either operating or maintaining a vehicle. PIP can also provide coverage if you are injured by a vehicle on a bicycle or as a pedestrian. Because it is "no-fault," no matter the at-fault party for an accident, personal injury protection will pay for your injuries. PIP insurance provides coverage for:
The minimum coverage under Oregon law for PIP coverage is $15,000. However, buyers may always buy a policy with higher limits if desired. PIP policies vary depending on carrier and cost, sometimes having a deductible (which can reduce your premium). However, the maximum deductible allowed in Oregon is $250, so it is unlikely to substantially reduce your premiums.
Insurance calls, medical bills, missed work, and uncertainty tend to arrive at the same time. The first job is to steady the situation: understand the facts, preserve useful records, and talk through the legal options that fit your Oregon injury claim.
“... I was referred to Adam who was able to take my case and quickly get it resolved for more than I expected. I was very pleasantly surprised by his attention to detail and tenacious negotiating tactics... Adam handled everything to make sure I received the maximum compensation for my injuries. If you need a good personal injury lawyer you just found one.”
Jim West
Tenacious Negotiating Tactics
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