Personal Injury Protection (PIP)

In Oregon, Personal Injury Protection (PIP) is a required coverage found in auto insurance policies and exists to cover your medical bills and other expenses (such as time loss) related to a motor vehicle accident.  PIP is typically referred to as a 'no-fault' coverage, meaning that you are covered whether a collision is your fault or another parties fault.  Using your PIP does not affect your rates when you are not at fault for a collision.  PIP also 'follows' you meaning that you are covered by your auto PIP coverage in other instances when you are a passenger in another vehicle, pedestrian, or even a bicyclist.  Additionally, as a pedestrian or bicyclist, PIP coverage from vehicle that struck you may also be an option for covering your medical care.

In Oregon State, the following rules are commonly relevant when dealing with injuries and the necessary medical care following a motor vehicle collision.  

-The following has been copied from oregonlaws.org . 

ORS 742.520

 

Personal injury protection benefits for motor vehicle liability policies

(1)Every motor vehicle liability policy issued for delivery in this state that covers any private passenger motor vehicle shall provide personal injury protection benefits to the person insured thereunder, members of that persons family residing in the same household, children not related to the insured by blood, marriage or adoption who are residing in the same household as the insured and being reared as the insureds own, passengers occupying the insured motor vehicle and pedestrians struck by the insured motor vehicle.

(2)Personal injury protection benefits apply to a persons injury or death resulting:

(a)In the case of the person insured under the policy and members of that persons family residing in the same household, from the use, occupancy or maintenance of any motor vehicle, except the following vehicles:

(A)A motor vehicle, including a motorcycle or moped, that is owned or furnished or available for regular use by any of such persons and that is not described in the policy;

(B)A motorcycle or moped which is not owned by any of such persons, but this exclusion applies only when the injury or death results from such persons operating or riding upon the motorcycle or moped; and

(C)A motor vehicle not included in subparagraph (A) or (B) of this paragraph and not a private passenger motor vehicle. However, this exclusion applies only when the injury or death results from such persons operating or occupying the motor vehicle.

(b)In the case of a passenger occupying or a pedestrian struck by the insured motor vehicle, from the use, occupancy or maintenance of the vehicle.

(3)Personal injury protection benefits consist of payments for expenses, loss of income and loss of essential services as provided in ORS 742.524 (Contents of personal injury protection benefits).

(4)An insurer shall pay all personal injury protection benefits promptly after proof of loss has been submitted to the insurer.

(5)The potential existence of a cause of action in tort does not relieve an insurer from the duty to pay personal injury protection benefits.

(6)Disputes between insurers and beneficiaries about the amount of personal injury protection benefits, or about the denial of personal injury protection benefits, shall be decided by arbitration if mutually agreed to at the time of the dispute. Arbitration under this subsection shall take place as described in ORS 742.521(Conditions applicable to arbitration proceedings).

(7)An insurer:

(a)May not enter into or renew any contract that provides, or has the effect of providing, managed care services to beneficiaries.

(b)May enter into or renew any contract that provides evaluation services for beneficiaries.