PIP insurance is mandatory for all drivers in Oregon. This coverage is “no-fault”, eliminating any delays from establishing fault and figuring out which insurance policy must foot the bill.

Here are some key facts about PIP insurance coverage:

1. Reasonable and necessary medical expenses are covered, so long as they are directly related to the accident. The policy will have a set limit on the maximum compensation per claim.
2. Wage loss coverage is included. You may be eligible for 70% of your gross income (up to $3,000 per month) for up to a full year.
3. In the case of fatality, funeral and burial expenses are covered. This coverage carries a maximum of $5,000.
4. Not only is the driver covered, but any injured passengers or pedestrians are also eligible for coverage under your PIP insurance.

To obtain coverage with your PIP insurance you need to complete some preliminary steps:

1. Report the accident to your insurance company ASAP — ideally within 24 to 48 hours. Reporting the accident does not mean you need to file a formal insurance claim right away.
2. Have your injuries documented by a healthcare provider. It’s important to complete this step without delay to avoid the risk of weakening your claim.
3. Then you can file a PIP claim with your insurance provider. You’ll need to provide all medical documentation and bills incurred up to that point as part of your claim. Documentation from your employer is also required if you plan to incorporate lost wages into your overall claim.