To get your bills paid when you are injured in a motor vehicle accident in Oregon, you need to file one or more claims for personal injury protection benefits or PIP. PIP is what I call, “health insurance for the car”.
The insurance company for the owner of the car in which you were riding when you were injured must pay PIP benefits first. So, if you were injured:
To get your bills paid, call the insurance agent to set up a PIP claim.
PIP will pay at least $15,000 of your medical expenses for treatment within 2 years of the accident.
PIP will also pay 70% of your lost income up to $3000 per month if your injuries keep you from working for at least 14 days. PIP will pay for up to 52 weeks of lost income.
PIP will also pay for other expenses such as help around the house, babysitting, and funeral benefits.
PIP will pay for all your medical expenses with limited exceptions.
If your PIP medical benefits run out, submit your unpaid medical bills to your health insurer. Your health insurer may not agree to pay for the medical expenses you incur in a car accident that was someone else's fault.