What Does Oregon’s (PIP) Insurance Cover in a Car Accident?

Have You Ever Imagined What Lifeline Exists for Those Injured in Car Accidents?

This is where Oregon’s Personal Injury Protection (PIP) insurance steps in, like a safety net, to provide victims of car accidents with essential financial support and peace of mind during a challenging time. Here we will unravel PIP insurance and explore what it covers in the event of a car accident in Oregon.

What is PIP Insurance?

Personal Injury Protection (PIP) insurance is a type of coverage designed to provide financial support to individuals who suffer injuries in accidents, particularly auto accidents. While PIP is most commonly associated with car insurance, it can also be part of motorcycle insurance policies and is required by law in some states.

What is PIP Insurance?

What Does PIP Insurance Cover?

PIP insurance, also known as Personal Injury Protection insurance, is a type of coverage that provides benefits for various expenses related to injuries sustained in a motor vehicle accident.

In the state of Oregon, PIP insurance is mandatory for all drivers. It is designed to cover medical bills, lost income, essential services, and child care during hospitalization. [1]

Medical Expenses:

One of the primary purposes of PIP insurance is to cover medical costs resulting from injuries sustained in an accident. This coverage typically encompasses:

Medical Expenses

PIP insurance can be a vital resource for immediate medical treatment, helping individuals receive treatment without the worry of out-of-pocket expenses.

Lost Wages:

If your injuries prevent you from working, PIP insurance can provide coverage for lost income. This includes:

The aim is to ensure that your financial stability is not compromised due to an accident-related loss of income.

Funeral Expenses:

In tragic cases where an accident results in a fatality, PIP insurance can help cover funeral and burial costs. These expenses can be substantial, and PIP can provide essential support during a difficult time.

Funeral Expenses

Essential Services:

PIP insurance may also include coverage for essential services that you can no longer perform due to your accident injuries. This can encompass:

By assisting with these services, PIP ensures that you can focus on recovery without worrying about everyday tasks.

What are PIP Coverage Limits in Oregon?

PIP coverage limits in Oregon refer to the maximum amount of benefits that an auto insurance policy will pay out in the event of a car accident. The minimum required PIP benefits in Oregon include coverage for medical expenses, wage loss, childcare, essential services, and funeral expenses.

What are PIP Coverage Limits in Oregon?

These are the minimum required PIP benefits in Oregon, and individuals have the option to purchase additional coverage amounts if desired.

How to Can I Get PIP Insurance Coverage?

Collecting personal injury protection (PIP) insurance in Oregon involves several important steps. Here’s a fast guide on how to file a claim and collect your PIP insurance benefits:

How to Can I Get PIP Insurance Cover?

Remember that the process of collecting PIP insurance can vary based on your policy and the specific circumstances of your accident. Consulting a car accident lawyer will help ensure that you receive the maximum benefits available under your PIP coverage.


Oregon PIP insurance cover is a bit like a safety net for drivers and their passengers. It provides a basic level of protection in the event of a car accident, regardless of who is at fault. This can be especially helpful for injured parties who do not have health insurance or who are facing significant financial hardship.

While PIP insurance is not perfect, it is a valuable asset to drivers and their passengers in Oregon. It provides peace of mind knowing that you and your loved ones will be protected in the event of a car accident.

If you or a loved one have been injured in an Oregon car accident reach out to our car accident attorneys in Portland. Schedule a free consultation with Goldberg & Loren today and let them handle your PIP insurance claim. 


[1] Fitzpatrick. (n.d.). How Does Personal Injury Protection (PIP) Work in Oregon? Retrieved September 23, 2023, from https://www.valuepenguin.com/car-insurance/how-pip-works-oregon

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