Will PIP cover Chiropractic care?

Yes.  Oregon State Law requires that all vehicles be insured with PIP (Personal Injury Protection) coverage. This coverage provides payment for any health care services you receive as a result of a motor vehicle accident/collision.  No referral is necessary with PIP and you do not need the authorization of your insurance company to seek Chiropractic treatment.  After an accident call Dr. Ross C. Keys of Adventure Chiropractic to set up an appointment, and he will help you on your road to recovery.

Will PIP cover other Alternative care?

Yes.  PIP covers all health care, including chiropractic care, massage therapy, acupuncture, and physical therapy.  You are covered regardless of who is at fault and/ or regardless of the ultimate settlement for injuries received. Treatments such as massage therapy, physical therapy, and medical devices must be prescribed by your doctor.

How do I qualify for this PIP coverage?

If you are the driver or passenger in an automobile accident/collision and you are injured, the insurance company must extend this coverage. The insurance company usually requires the completion of an application after the injuries occur. The insurance company will also investigate regarding the incident

Will my insurance company pay all of my medical bills?

Your insurance company is required to pay all of your medical expenses within the first year as long as the services are reasonable and related to the motor vehicle accident/collision, up to your policy limit ($15,000 for most policies).

What happens if my medical expenses exceed my personal injury protection coverage?

If you have healthcare coverage, your healthcare insurance will usually pay any additional amount.  If you do not have healthcare you will be billed personally for any amounts in excess of your PIP coverage.

What if I am on my bicycle or a pedestrian?

Even if you are on a bicycle or pedestrian, your personal injury protection should pay your medical expenses if you are struck by a motor vehicle.  If you do not have auto insurance and do not have health insurance, than the other driver’s insurance should pay your medical bills.

How much wage loss will my personal injury protection injury insurance pay?

Often, your care provider may order you off of work due to injuries you sustained in the accident. Your PIP coverage provides wage loss coverage as well. You must be off of work for at least 14 days before the coverage is triggered. You can receive up to 70% of your normal pay, up to the limit of $1250 per month. Beginning in January of 2010, the PIP wage limit increases to $3000 per month.

Can the insurance company cut my benefits before the year is up or the limits are exhausted?

Your insurance is required to pay your medical expenses within the first year which your care providers deem reasonable and related to the incident.  However, we have seen some insurance carriers stop paying when your $15,000.00 is exhausted.  We recommend consulting with an attorney if necessary.  Fortunately, Adventure Chiropractic and Dr. Ross C. Keys can usually get you back to “normal” without exhausting your medical benefits!