Portland PIP Denials Lawyer
In the moments following a car accident, your priority should always be to seek medical treatment. Even if you feel well enough to get up and walk away from a crash, you may still have sustained a number of injuries that are not immediately obvious. The sooner you get checked out, the better.
The reality is that even a “minor” car accident can leave you with injuries that require expensive medical care. On top of that, you may have to miss time from work to recover from your injuries. As the financial losses start to mount, you may need to turn to your auto insurance policy’s Personal Injury Protection (PIP) coverage to cover some of your costs.
Unfortunately, just because you have kept up to date on your premiums, that is no guarantee your insurer will pay your PIP claims without putting up a fight. That is where an experienced Portland PIP denials lawyer can help. Rosenbaum Law Group, PC, represents car accident victims in dealing with insurance companies. We can advise you of your rights under your policy and Oregon law and fight to ensure your insurance company lives up to its obligations to you as a policyholder.
How Does PIP Coverage Work in Oregon?
Under Oregon law, most auto insurance policies must include PIP coverage. PIP is designed to pay out benefits in the following situations:
- You are injured while in your own vehicle.
- You are hit by a car while riding your bicycle or walking on the street.
- You are injured while riding as a passenger in someone else’s vehicle and are therefore covered by their PIP policy.
Once you are injured in a covered accident, the applicable PIP coverage is required to pay certain benefits:
- Medical expenses. PIP insurance will cover any accident-related medical expenses up to the limits of the policy. In Oregon, PIP coverage must cover at least $15,000 in medical expenses.
- Lost income. PIP will cover 70 percent of your lost income (up to $3,000 per month) if you are disable for fourteen or more days due to your accident-related injuries. This benefit can last for fifty-two weeks.
- Essential services. If you were not employed at the time you were injured in an insured accident, PIP coverage will pay you $30 per day to hire someone to perform “essential services” around the house, provided you were disabled for at least 14 days.
- Childcare costs. If the parent of a minor child is injured in an accident and must be hospitalized for more than 24 hours, PIP coverage provides $25 per day for childcare costs, up to a maximum of $750.
- Death benefits. If a covered person is killed in an auto accident, PIP coverage provides a funeral benefit of $5,000.
Contact Rosenbaum Law Group Today
Your PIP carrier has a contractual obligation to pay the benefits described above when you are injured in a covered accident. If for any reason your carrier has denied a claim or is refusing to pay certain benefits, you should not hesitate to speak with a qualified Portland PIP denials lawyer about your legal rights. Contact Rosenbaum Law Group, PC, today to schedule a free consultation.