Navigating Care and Coverage With Confidence
Understanding Your Personal Injury Protection Benefits, Maximizing Your Recovery from Auto Injuries
Oregon’s Personal Injury Protection (PIP) program was created to ensure that anyone injured in a motor vehicle accident can access timely, medically necessary care without financial barriers or delays. Established as part of Oregon’s no-fault insurance law, PIP guarantees coverage for essential healthcare services — including chiropractic care, rehabilitation, and medical imaging — immediately following an accident, regardless of who was at fault.
By law, every Oregon auto insurance policy includes a minimum of $15,000 in PIP coverage per person, and most policies cover care for up to two years from the date of injury or until benefits are exhausted. Because PIP is no-fault, you can begin care right away — without waiting for claim investigations or liability determinations.
At Mid-Valley Chiropractic Allied Health Sciences, we help you navigate the process with confidence. Our experienced administrative staff verifies coverage, coordinates with insurers, and ensures every required form is completed correctly, allowing you to focus entirely on recovery.
The Benefits of PIP Coverage
Accessible, Immediate, and Comprehensive
PIP coverage provides peace of mind during an already stressful time. In most cases, PIP covers 100% of medically necessary treatment costs, including chiropractic care, physical rehabilitation, and diagnostic imaging, with no deductible and no copayment.
Even if your accident occurred months ago or you’ve already received treatment elsewhere, you may still qualify for continued care — as long as your claim remains open and benefits are available.
Our providers bring over two decades of combined clinical experience managing post-accident patients. We specialize in treating complex musculoskeletal injuries, whiplash, joint dysfunction, and chronic pain that can arise weeks or months after an impact. Our goal is not only to help you recover, but to help you regain long-term function, stability, and confidence in movement.
A Brief History of Oregon’s PIP Program
How Oregon Became a No-Fault State
Oregon adopted its no-fault PIP insurance system in the 1970s to protect injured motorists from the delays, disputes, and financial hardship that often followed collisions. Under this system, every auto insurance policy must include PIP coverage for the driver and passengers, regardless of who caused the accident.
This model was designed to prioritize accessibility and continuity of care, ensuring that individuals can receive treatment promptly instead of waiting for legal or fault-based resolutions. Over time, Oregon’s PIP program has become one of the most patient-centered models in the nation, allowing residents to seek chiropractic and rehabilitative care quickly and confidently after an accident.
Common Pitfalls and How to Avoid Them
Protecting Your Health — and Your Benefits
While PIP coverage is broad, there are a few important guidelines to remember:
Delaying care may jeopardize your benefits or your recovery. Seek evaluation as soon as possible, even if symptoms seem minor.
Incomplete documentation can slow claims processing or result in denied charges. Our administrative team ensures every note and billing code meets insurer requirements.
Misclassification of claims can occur if the accident happened during work hours. Accidents “on the clock” fall under Workers’ Compensation, not PIP.
Please note: PIP benefits and protections do not apply to workplace injuries, and at this time, our office is not accepting new Workers’ Compensation cases.
Clinical Integrity in Collaboration With Attorneys
Protecting Your Case Through Precision Documentation
For patients represented by attorneys, we welcome close and professional collaboration. Our clinic provides comprehensive medical records, precise documentation, and consistent communication to ensure your legal and medical processes align seamlessly.
We understand that a patient’s clinical recovery directly impacts their legal outcome. Our reports are clear, timely, and defensible, reflecting both the medical facts of your case and the integrity of your care. Whether you are represented by counsel or managing your claim independently, you can trust that our team upholds the same high standard of accuracy and ethical documentation in every file.
We believe that partnership between provider and counsel is essential to achieving the best possible outcomes — medically, financially, and personally.
Our Commitment to You
Comprehensive Care, Compassionate Guidance
Recovering from a motor vehicle accident can be overwhelming — but your care doesn’t have to be. At Mid-Valley Chiropractic Allied Health Sciences, we combine clinical expertise with administrative precision to make your healing process as straightforward as possible.
From the first phone call to the final release of care, our staff will help you understand your coverage, manage required documentation, and ensure you receive every benefit you’re entitled to under Oregon law.
Our goal is simple: to help you recover fully, regain confidence in your body, and return to your life — stronger, informed, and supported.
Ready to Begin Your Journey Toward Relief?
We would be honored to be part of your care team. If you’re ready to experience a massage designed around your comfort, safety, and goals, simply click “Call Now” to speak with our friendly front-desk staff, or fill out the brief contact form at the bottom of this page and we’ll reach out to schedule your appointment.
Your comfort begins with your first call — and your healing begins the moment you walk through our doors.