  Oregon law requires that all insurers
provide personal injury protection benefits, PIP, when issuing your
insurance policy. PIP pays for your medical bills and certain other
living expenses such as ongoing lost wages, medication, and in home
assistance care while you are recovering, regardless of who is at fault.
It protects you from becoming in debt while you are treating and gathering
evidence for your insurance claim. The PIP monies paid by your insurer
is reimbursed to your insurer after you have recovered money from the
at fault driver.
Washington state has a similar law.
Practical tip: Always ask your insurer to send you your PIP application
right away after a car accident. The insurer will usually defer any
payment under PIP until the signed PIP application is returned to them. |
