In Personal Injury Protection (PIP)

How To Find Hidden PIP Policies

Not too long ago we had a client who was crossing the street in downtown Portland. While crossing the road, a car ran a red light and hit our client, causing a compound fracture of their femur, and many other injuries.  

We found three Personal Injury Protection policies, plus their health insurance, that they had access to. ALL of her medical bills were paid!

Because the PIP statute treats pedestrians differently than someone injured while in a car, it’s good to know how to find hidden Personal Injury Policies that are available. The following is the order of PIP coverage as stated by Oregon statutes:    

  1. Your patients auto insurance;
  2. Any family member’s auto policy that they were living with at the time of the injury;
  3. The insurance covering the vehicle that caused the injury — provided your patient has no health insurance, or there is treatment not covered by their health insurance.

For our patient with the broken femur, she made a Personal Injury Protection claim through her automobile insurance. Because she was living with her parents and sister at the time of the collision, she made a PIP claim on both of their car insurance policies. Lastly, she tapped into the Personal Injury Protection policy benefits of the car that hit her.

It’s important to know a claim can be made on the driver’s PIP policy who hit your patient if your patient does not have health insurance. Providing there is health insurance, the at-fault person’s Personal Injury Protection will pay for treatment not covered by health insurance and any copays or deductibles.

Fortunately for our client, she had $60,000 worth of PIP benefit and her health insurance. By finding the three hidden Personal Injury Protection policies, we were able to make sure all of her bills were paid — even her deductible and copays!

When your patient is a pedestrian, make sure to ask if they are living with family members when the injury happened. Knowing a few simple questions can make all the difference in your patient receiving the medical treatment they need and are entitled to.

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