If you’ve never been in an accident before, “PIP” is probably a term you’re hearing for the first time right when you need to understand it fastest. Here’s the short version.
What PIP Actually Covers
Personal Injury Protection is a coverage built into most Oregon auto policies that pays for accident-related medical care, including chiropractic treatment, regardless of who caused the accident. That “regardless of fault” part surprises a lot of people, you don’t have to wait for a fault determination to start getting care covered.
What This Means Practically
You can typically begin chiropractic treatment right away after an accident, using your own PIP coverage, without needing the other driver’s insurance to accept liability first. Form & Function handles PIP claims documentation directly, so you’re not managing that paperwork on top of recovering.
Why Early Documentation Matters
Even setting aside the medical reasoning for getting evaluated quickly, there’s a practical insurance reason too: a same-week evaluation creates a clear, timely record connecting your injury to the accident, which matters if there’s ever a dispute about what caused what.
Schedule a Post-Accident Evaluation, (503) 495-3454