Oregon Personal Injury Protection (PIP)
The mandatory insurance coverage that pays for your medical bills, regardless of who caused the accident.
What is PIP?
Personal Injury Protection (PIP) is a "no-fault" medical coverage required on private passenger auto insurance policies in Oregon (ORS 742.520(1)(a)). Motorcycles and mopeds are carved out, and coverage can be excluded while you're driving for rideshare compensation (ORS 742.520(2)(a), (1)(e)) — but for most everyday drivers, it's there. Its purpose is to ensure that people injured in car accidents can get immediate medical treatment without waiting for insurance companies to determine fault.
The Basics
- Minimum $15,000 coverage for medical expenses
- Covers medical expenses incurred within 2 years of the injury date (usually the crash date) — a window for when care happens, not a deadline to file a claim
- Covers you, your passengers, and pedestrians you might hit
Wondering how chiropractic care works under PIP? Read our chiropractic care guide.
Common Mistakes to Avoid
Delaying treatment can create "gaps in care" that insurance companies use to deny claims. Even if you feel okay, get checked out.
Consistency is key. Frequently missing appointments can signal to insurers that your injury isn't serious.
Many people don't seek care because they fear the bill. PIP is designed specifically so you don't have to pay out of pocket upfront.