- The driver and passengers in an insured automobile;
- A person injured in an automobile collision that is a named insured under an automobile insurance policy, even if that person was injured while walking, biking, or occupying another person’s automobile;
- A relative of a named insured under an automobile insurance policy who resides with the named insured, even if the relative has their own automobile insurance;
- A pedestrian injured by an insured automobile, but only if no other PIP, medical, or disability insurance is available to the injured pedestrian.
No, PIP benefits are limited under the policy. Oregon law provides that the minimum limits for a PIP policy are $15,000 for medical expenses, and $3,000 per week for lost wages, for a maximum of 52 weeks. PIP medical expense benefits only cover treatment received within 2 years of the collision. These are the minimum limits; an insurance policy can provide larger limits, but not less.
If multiple PIP policies apply to an injured person, those policies can be “stacked” to provide additional coverage if benefits under the primary policy are exhausted.
No. If another party is at-fault for the collision, the PIP insurer will seek reimbursement from the at-fault party. The PIP insurer must decide between seeking reimbursement for the benefits it paid directly from the at-fault party and his/her insurer or claiming a lien against any recovery you receive from the at-fault party. In my experience, PIP insurers nearly always elect to seek reimbursement directly from the at-fault party and their insurance company.
Additionally, the at-fault party and their insurer are responsible for paying all non-economic damages (i.e. pain, suffering, inconvenience, interference with activities of daily living and enjoyment of life) and medical expenses and lost wages that were not covered by PIP. This is where having an experienced injury lawyer working for you makes the biggest difference.
Give us a call today to discuss your case and the role no-fault insurance may play. Let us be the guiding light through the legal fog created by your collision. All personal injury consultations are free and there is never a fee unless we recover money for you.