RE: PI Question (ANSWERS)

[Guest guest]

As a licensed adjuster myself -- I can tell you that as long as the accident happened

in Oregon / all policies have PIP coverage. There is no such thing as Liability policies only --

except in Washington --where PIP is optional.

PIP coverage covers any person (driver or passenger) in (or about) the vehicle up to

the coverage limits which were increased a couple of years ago from $5000 to $15,000

per person (with varied amounts for the total per vehicle)

Also PIP coverage is not determined by any fault. That is payable whether the vehicle

the person was in was at fault or not.........

If the vehicle they were in was not at fault

then they will subrogate back against the liable (at fault) company and that would not

go against the drivers record.... and his/her company would be reimbursed

any $$ they have paid out on behalf of the PIP coverage (up to the policy limits).

If their vehicle was at fault

then it is just an amount that would not be reimbursed back to that company and

would go against the driver's record/claims but those benefits should be paid. Jan Ferrante, OCA Executive DirectorOregon Chiropractic Assoc.10570 SE Washington St #201Portland, OR 97216ph: 503-256-1601fax: 503-256-1602

From: bradrethwilldc@...Date: Thu, 3 Jun 2010 08:50:16 -0700Subject: PI Question

No can do. They can deny if there is liability coverage only. Also, is the other driver at fault? If they are you will probably have to wait for payment until the case is closed. Call the insurance co. and ask for the details of coverage.

Brad Rethwill, DC

Eugene

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