Oregon PIP Coverage Explained: Your No-Fault Medical Benefits

Every Oregon auto policy includes PIP, and using it correctly protects both your health and your claim.

What PIP Covers

Oregon requires Personal Injury Protection (PIP) on every auto policy — a minimum of $15,000 in medical benefits that pays regardless of fault under ORS 742.524. PIP pays reasonable and necessary medical expenses, a portion of lost wages if you cannot work, and certain other costs — regardless of who caused the crash.

The One-Year Window

PIP medical benefits are generally available for expenses incurred within one year of the crash, so prompt and consistent treatment matters. Keep your providers billing PIP first.

PIP and Your Liability Claim

Using PIP does not reduce what you can recover from the at-fault driver, though Oregon's reimbursement rules govern how PIP is repaid out of a third-party recovery. An attorney can coordinate these to maximize your net result.

This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Oregon attorney.