Understanding Oregon’s Personal Injury Protection (PIP) Coverage

Navigating Oregon roads brings its share of challenges and potential hazards. It’s crucial to understand how personal injury protection (PIP) coverage works within the framework of Oregon’s auto insurance laws. This type of insurance is designed to help cover various accident-related expenses if you’re injured in a covered incident, regardless of who is at fault.

PIP coverage is mandatory in Oregon, ensuring that parties involved in an accident can receive immediate medical attention without the usual delays associated with determining fault.

What Does PIP Cover?

PIP insurance may help cover numerous accident-related expenses for you and your passengers, including the following:  

• Immediate medical expenses up to your policy’s limit starting from the date of the accident, which may include hospital visits, surgical procedures and rehabilitative services
• Loss of wages if you are unable to work due to the accident for a specified period
• Funeral expenses if a death results from an accident
• Essential services if injuries prevent you from performing essential tasks such as housekeeping or childcare

How Much PIP Coverage Is Required in Oregon?

Oregon’s laws require every driver to purchase PIP coverage along with basic auto liability and uninsured motorist coverage. The required minimum limits are subject to change without notice. Your agent can help you get coverage that complies with Oregon’s regulations and works for your situation.

How Do You File a PIP Claim?

Filing a PIP claim is relatively straightforward. Notify your insurer about the accident as soon as possible, including details about the accident and the nature of your injuries. Submit any requested documentation, such as medical records and proof of lost wages. Your insurer will then evaluate your claim and determine the coverage based on your policy limits and the specifics of your situation.

Contact Us

Oregon PIP coverage helps ensure that you and your passengers receive necessary medical attention after an accident. It can also help provide financial support during recovery from an accident. Being well-informed about how PIP works can help you make the most of your coverage and navigate post-accident processes more smoothly.

Contact World of Insurance in Medford, Oregon, to learn more about your PIP coverage options and get a personalized PIP insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.