Your Fault or No Fault?

Your PIP Insurance Has You Covered!

A minimum of $15,000 PIP is included in every Oregon auto insurance policy.

What is Personal Injury & Protection (PIP) Car Insurance?

If you are in a car accident, regardless of who’s fault it is, PIP can help cover medical expenses for you AND your injured passengers.

Medical expenses include, but are not limited to:

• Emergency services & hospital care
• Doctors’ visits (medical doctor, neurologist, ENT, dentist, chiropractor, physical therapy, massage)
• Medication, crutches, wheelchairs

Additional benefits of Oregon PIP include:

1. If you can’t work due to the accident for at least 14 days, PIP will cover 70% of lost wages, up to a maximum payment of $3,000 per month and a total maximum payment period of 52 weeks.
2. If you don’t work but can no longer perform services at home, such as a stay-at-home parent, PIP will pay up to $30 a day for you to hire someone for essential services, up to 52 weeks. 
3. Parents of minor children can get $25 a day for child care, up to $750 total.
4. PIP applies even if you’re not driving. For example, if you’re injured after getting hit by a car while walking, your PIP can help pay for your injuries.
5. Your PIP can help cover your health insurance deductible.
6. If you pass away in a car accident, your PIP may help replace your lost income for your surviving dependents.
7. PIP also pays up to $5,000 for funeral expenses.

Because all PIP claims last 2 years (from the date of the injury), we recommend a 100k PIP policy. Generally, it’s only an extra ~$10/mo to upgrade.