Oregon is a “PIP state,” meaning your own auto insurance typically pays first after a car accident, regardless of fault. Personal Injury Protection (PIP) helps cover medical expenses, partial lost wages, and certain essential services, allowing injured individuals to access care quickly without waiting for liability decisions. Coverage often extends beyond the policyholder to passengers, household members, and even pedestrians, making it broader than many expect.
However, PIP benefits are limited, usually around $15,000 and up to one year of coverage, and insurers may challenge claims based on treatment necessity or pre-existing conditions. Understanding these rules is critical, especially when disputes arise. Johnston Law Firm helps individuals navigate PIP complexities, including denied or reduced benefits, while ensuring claims are properly supported and positioned within a broader injury case.
