What Does PIP (Personal Injury Protection) Do for Me in an Auto Accident?

When you’re involved in an auto accident, dealing with the aftermath can be overwhelming, especially when it comes to medical expenses. In Washington and Oregon, Personal Injury Protection (PIP) coverage plays a crucial role in ensuring you receive the necessary medical treatment without having to pay out of pocket immediately. Here’s what you need to know about PIP and how it can help you in the event of an auto accident.

PIP Coverage: An Overview

PIP is a type of car insurance coverage that helps pay for medical expenses, regardless of who is at fault in the accident. This coverage can be a financial lifesaver, providing immediate funds for medical care and other related expenses.

How PIP Works in Washington and Oregon

  • Primary Coverage for Medical Treatment: In both Washington and Oregon, PIP is considered the primary coverage for medical treatment after an auto collision. This means that PIP will cover your medical expenses up to your policy’s limit before any other insurance kicks in.
  • Coverage Regardless of Fault: PIP covers you and your passengers’ medical expenses regardless of who caused the accident. This ensures that you receive the necessary medical care without the need to establish fault first.

Paying for Medical Care

  • No Out-of-Pocket Costs Initially: With PIP, you don’t have to pay for your medical treatment out of pocket and then wait for reimbursement. PIP covers your medical expenses up to the coverage limit, allowing you to focus on recovery rather than financial stress.
  • Deductibles: Some insurance policies may have a small deductible. In Oregon, the law allows for a PIP deductible of up to $250. Even with a deductible, PIP coverage still significantly reduces the immediate financial burden of medical expenses.
  • Third-Party Claims: While you can open a claim with the at-fault driver’s insurance to cover medical expenses, these claims do not provide immediate coverage. Insurers might also contest your injuries and medical treatment, leading to delays and potential out-of-pocket costs in the interim.

PIP Requirements in Washington and Oregon

  • Washington State: PIP coverage is optional. While it is not mandatory, opting for PIP can provide significant benefits by covering medical expenses promptly.
  • Oregon: A minimum of $15,000 of PIP coverage is required. Many individuals benefit from increasing their PIP coverage beyond this minimum to ensure comprehensive protection.

The Importance of Adequate PIP Coverage

  • Coverage Limits: Lower PIP amounts may be quickly exhausted in severe accidents involving ambulance transport and hospitalization. Increasing your PIP coverage ensures that your medical expenses, including ongoing chiropractic care, are adequately covered.
  • Protection for All Situations: PIP coverage is especially beneficial as it generally covers all reasonable, necessary, and related treatment for both the driver and occupants of the vehicle involved in the accident.

Additional Coverage Options

  • Uninsured/Underinsured Motorist Coverage: These options can provide additional protection if the at-fault driver does not have sufficient insurance. However, using uninsured motorist coverage can be complex, and you may face challenges in getting your medical expenses reimbursed.

Income Protection

  • Lost Income Coverage: One of the significant benefits of PIP is that it can cover a portion of your lost income if you are unable to work due to injuries sustained in an auto accident. This financial support can be crucial in maintaining your livelihood while you recover from your injuries.


PIP is the easiest and most reliable way to ensure you are protected and can receive the medical treatment you need after an auto accident. At Opdahl Chiropractic, we understand the importance of timely and effective treatment following an injury. If you or a loved one has been involved in an auto accident, our experienced team is here to help you navigate the complexities of PIP coverage and provide the care you need to recover fully.

Remember, having adequate PIP coverage not only safeguards your health but also offers peace of mind during a challenging time. If you have any questions about PIP or need assistance with your treatment plan, don’t hesitate to contact us. We’re here to support you every step of the way.

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