If you have PIP coverage in Oregon and get injured in an accident you cause, you may wonder if your medical bills are covered. If PIP coverage did not pay for your medical bills and you have no health insurance, this could send you into serious debt. The more serious your injuries, the more likely this is.
To help answer your question, consider that the nickname for personal injury protection coverage is “no-fault insurance.” According to WalletHub, you most often find this type of coverage in states that have no-fault insurance laws. In these states, a driver does not need to prove they are not the cause of an accident to get the insurance company to cover medical expenses. This may change if the accident led to serious injuries.
Here are some of the expenses PIP covers:
- Loss of income
- Medical bills
- Survivor’s loss
- Funeral expenses
- Child care expenses
- Household services
While Oregon does require insurance companies to offer PIP coverage, it is not a no-fault insurance state. Because of this, drivers have the option to waive the coverage. It is a good idea to verify whether you did this or not when you get into an accident. In tort states, drivers and their insurance companies are responsible for paying damages in at-fault accidents.
Subsequently, even when PIP is not required, it is a good idea to add it to your policy. This protects not just your health but your personal finances. Another alternative is MedPay, but this generally only covers medical expenses. Which one you choose to get depends on your budget, preference and the risks you are willing to take.
This article shares information from WalletHub on PIP coverage. It should not be used as or in place of legal, medical or insurance advice.