Automobile insurance policies issued in Oregon must contain at least $15,000 in no-fault medical coverage known as personal injury protection or PIP, for short. PIP benefits expire one year after the accident .So, if you are involved in a motor vehicle accident your own insurance company (or the drivers’ if you were passenger) will pay reasonable and necessary medical expenses up to their policy limit for up to a year following an accident.

Unlike most health insurance policies, medical benefits paid under a PIP coverage are not subject to a deductible. Once PIP benefits expire or are exhausted, the injured person’s health insurance coverage becomes primarily responsible for car accident medical costs.

It’s great that PIP benefits are not subject to a deductible. A bad aspect of PIP medical benefits is that many medical providers do not accept PIP insurance. The reason is simple. PIP coverage pays less. As a result, many victims of car accidents discover that the medical writers they need most (surgeons, for example) refuse care.

On the other hand, expensive medical providers love patients with good health insurance. Sometimes medical care can be so expensive that even payment of deductible is not affordable. So what’s the answer?

Many medical providers will accept a “letter of protection” signed by the injured person and his or her attorney. Letters of protection are designed to guarantee payment to a medical provider, subject to available funds upon claim resolution. Typically, medical providers only offer letters of protection to represented people. Because, medical providers know that the chances of getting their bills paid is much greater when an attorney is on the case.
If your PIP benefits have run out or payment of health insurance deductibles has become unaffordable, contact me. If can help you negotiate with your medical providers so you get the treatment you need. You can reach me at (503) 245-5677 or rich@rizklaw.com.