Enter your zip code in the form below, and get instant auto insurance quotes from some of the best insurance providers in your area!

Zip Code:



Personal Injury Protection Insurance

Personal Injury Protection (PIP) is a requirement in the state of Oregon when applying for a medical insurance in your vehicle coverage. The Personal Injury Protection most of the time is separated from the medical insurance since this special kind of insurance is complementary. It is also important that you must first understand the conditions and terms of an insurance contract before you enter an agreement of committing yourself to an insurance coverage. The law in some parts of the United States may not require personal Injury Protection. However, it is still a practical choice to have a Personal Injury Protection for you. Here are some of the advantages of having a Personal Injury Protection from your medical coverage in your car insurance:

The coverage of Personal Injury Protection isn't limited to accidents only inside the perimeters of the insured vehicle. Even if you get hit by an uninsured or underinsured vehicle while you are outside of your car, PIP still considers you as their liability and the coverage of the PIP is still in effect. Even the passengers of your car are covered by the PIP.

Personal Injury Protection also covers pedestrian who gets hit by your car. May it be the fault of the vehicles driver or someone else who used the insured vehicle. This protection also covers relatives and other people who live with you and uses your car.

If your insured vehicle meets an accident outside the state of Oregon, Personal Injury Protection still will take responsibility to you, your passengers, and even pedestrians who get struck by your car as long as it is in the jurisdiction of the United States and areas that are under the country's territory such as Canada.

If the driver dies due to the cause of the vehicle accident, Personal Injury Protection will shoulder a certain amount in the funeral expenses (most of the time starts with $1000) of the vehicle's driver. The protection program pays an income continuation benefit of $10,000 to the insured upon his or her death.

While the driver is still under the medication process as a result to the vehicle accident, Personal Injury Protection will shoulder the lost wages or salary that the driver didn't receive from his or her employer. This compensation will continue for 52 weeks with a limit of only $1250 a month depending on the terms of agreement.

The Personal Injury Protection gives a mandatory payment to damaged properties brought by the accident however; the insurance company still has the authority to asses on how much collateral damage must be paid by the insurance company to the affected party.

Essential service benefits is also given by the PIP since you will have to pay someone else to do the housework for you and other tasks such as taking care of your children and washing the clothes. This coverage is entitled to the insured until the day he or she gets well from the accident.

These benefits are the standard benefits that are required by the law in the state of Oregon however, this may also differ in different states in the United States. Always read first the insurance agreement before signing in order to know what these insurance companies will cover or protect you from.