When you are hurt in an auto accident in Oregon, your insurance and the other driver’s insurance will probably cover your medical bills, lost wages, and compensation for pain, suffering, and any impairment.
But what good is a judgment or settlement down the road, when you have major health care problems that you can’t afford?
Every state has its own answer to that question. In Oregon, the answer involves Personal Insurance Protection (PIP) coverage.
‘But I Don’t Remember Purchasing PIP’
You don’t have to purchase PIP. You obtain PIP coverage from your regular insurance company. In Oregon, PIP is provided by your insurance company, which bills the other driver’s insurance company later. If you have any questions about your PIP coverage or benefits, your insurance company will help you.
Oregon Personal Injury Insurance Protection Lawyer
PIP is no-fault insurance that covers the first $15,000 of your medical expenses following an accident. All Oregon auto insurance policies include PIP coverage, except commercial policies. So if medical expenses exceed $15,000, and you have health care insurance, those costs will likely be covered. If you don’t have health care insurance, you will be asked to foot the bill for your care.
PIP will also pay for lost wages, starting after you have been out of work for 14 consecutive days. PIP pays up to 70 percent of your lost wages, with the ceiling of $3,000 per month.
If you have questions about coverage, I’ll be happy to answer them for you.