How Oregon PIP Insurance Works After a Crash

Oregon's PIP (Personal Injury Protection) insurance is designed to provide fast, no-fault coverage for your medical bills and lost wages after an accident. But many Oregon accident victims don't know how to actually use it.

Key Takeaways

• File your PIP claim with your own insurance company immediately after the accident
• Your insurer has 30 days to pay or deny your claim once all information is submitted
• PIP pays medical providers directly or reimburses you for paid expenses
• Keep receipts, records, and documentation for every expense
• PIP and your liability claim against the at-fault driver are separate — pursue both

Day 1: Immediately After Your Accident

Call your insurance company and report the accident. Do this even before you know whether you were at fault. Tell them: "I was in an accident and I want to file a PIP claim."

Provide:

• The date, time, and location of the accident
• A brief description of what happened
• Whether you sought or plan to seek medical treatment

Days 1–7: Complete Your PIP Application

Your insurer will send a PIP application form. Complete it fully and return it promptly. It typically requests:

• A description of the accident and injuries
• Your treating providers' information
• Employment information for lost wage claims
• Authorization to obtain medical records

Ongoing: Inform Your Medical Providers

Tell every medical provider you have a PIP claim and provide them your PIP claim number. Most Oregon providers accept PIP as primary insurance and bill your insurer directly.

Keep copies of every bill, payment, medical record, and appointment date.

Track Your Lost Wages

If injuries kept you from work for more than 14 consecutive days, you qualify for PIP wage benefits. Request a Wage Verification Form from your insurer and have your employer complete it.

What PIP Does NOT Cover

• Vehicle repair or rental car costs
• Pain and suffering
• Medical costs for pre-existing conditions unrelated to the accident
• Experimental or cosmetic treatment

PIP FAQ

My insurer denied my PIP claim. What can I do? Request the denial in writing with the stated reason. Many denials are appealable. Consult with an attorney if your PIP claim is denied.

Does PIP have a deductible? Oregon policies may include a PIP deductible. Standard deductibles are $250 or $500.

Disclaimer: This article provides general guidance and does not constitute legal or insurance advice.