We Specialize in Treating Personal Injury Cases
Helping Patients Heal from Auto Accidents, Whiplash, Soft Tissue Injuries, and More
If you’ve been injured in an accident, getting the right care early on can make a significant difference in your recovery. Many injuries don’t fully show up right away. Stiffness, headaches, whiplash or back pain can develop days after an accident. That’s why it’s important to be evaluated as soon as possible. Our approach focuses on reducing pain, restoring mobility, and supporting your body’s natural healing process.
We also understand that navigating care after an injury can feel overwhelming. Our team works closely with you to create a personalized treatment plan and ensure your care is well-documented if needed for insurance or legal purposes.
Whether your injury is recent or you’re still dealing with lingering symptoms, we’re here to help you move forward with confidence.
Understanding PIP Insurance in Oregon
If you’ve been involved in a car accident in Oregon, your treatment may be covered by Personal Injury Protection (PIP) insurance - regardless of who was at fault.
PIP coverage is designed to help you access care quickly without worrying about out-of-pocket costs upfront. In most cases, it covers:
- Chiropractic care
- Medical treatment
- Massage therapy
- Lost wages (in some situations)
Oregon drivers are typically required to carry a minimum of $15,000 in PIP coverage, which can be used for accident-related care.
At Modern Chiropractic, we work directly with PIP claims and can help guide you through the process. From verifying your benefits to handling billing, our goal is to make things as simple and stress-free as possible - so you can focus on healing.
Frequently Asked Questions:
PIP Coverage & Chiropractic Care in Oregon
Does PIP cover chiropractic care after a car accident in Oregon?
Yes. Oregon law requires every auto insurance policy to include Personal Injury Protection (PIP), and chiropractic care is a covered medical expense when it's related to injuries from the accident. PIP pays for this care regardless of who caused the crash.
How much PIP coverage do I have?
Oregon requires a minimum of $15,000 in PIP medical coverage per person, though some policies carry higher limits. Your specific coverage amount depends on your policy, so it's worth confirming your limits with your insurer.
Do I need to prove who caused the accident to use my PIP benefits?
No. PIP is no-fault coverage, meaning it applies whether you caused the accident, the other driver did, or fault hasn't been determined yet. You can begin treatment right away without waiting on a fault investigation or settlement.
Whose insurance do I file a PIP claim with?
Your own. PIP claims go through your own auto insurance policy, not the other driver's, even if they were at fault. Call your auto insurer (not your health insurance) to report the accident and open a claim.
Will I have to pay anything out of pocket?
In most cases, PIP covers medically necessary treatment with no deductible or copay. Coverage details can vary by policy, so we always recommend confirming specifics with your carrier — but for the large majority of patients, care starts with little to no out-of-pocket cost.
How soon after an accident should I see a chiropractor?
As soon as possible, ideally within 72 hours. Adrenaline can mask pain immediately after a crash, and symptoms like stiffness, headaches, or soreness often don't appear until days later. Getting evaluated early creates a documented record connecting your injuries to the accident, which matters for your claim.
How long do I have to use my PIP benefits?
Oregon PIP generally covers medically necessary expenses incurred within two years of the accident date. That said, starting care early is still the best way to catch injuries before they become chronic and to keep a clear treatment timeline for your claim.
What if I already saw another provider or started treatment elsewhere?
You can still be seen. As long as your PIP claim remains open and benefits haven't been exhausted, you may be able to continue or transfer your care to our office.
Can I still use PIP if I also plan to pursue a claim against the at-fault driver?
Yes. Oregon is an at-fault state for liability purposes, so using your PIP benefits doesn't prevent you from pursuing a separate claim against the other driver if appropriate. PIP simply ensures you can get care right away, without waiting on that process to resolve.
Do you handle the insurance paperwork for PIP claims?
Yes. Our team verifies your coverage, coordinates directly with your insurer, and provides the documentation needed to support your claim, so you can focus on recovering instead of managing paperwork.
Start Your Recovery Today
If you’ve been in an accident and are unsure where to start, we’re here to help. Our team will walk you through your options, explain your coverage, and get you on a path toward recovery.
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