Injured motorists who purchased auto insurance while living in Oregon should send medical bills due to the accident to his or her own insurance company for payment under “PIP” or “Med Pay” coverages. Oregon law requires every Oregon motorist to carry at least $15,000 of no-fault medical insurance commonly known as PIP (Personal Injury Protection). “Med Pay” is similar to PIP coverage in that both coverages are designed to pay for “reasonable and necessary” medical costs due to an auto accident. Your own insurance company will have a reimbursement claim against the insurance company for the at-fault driver for the medicals it paid under PIP or Med Pay coverages. Not all Oregon insurance policies have Med Pay coverage. Look to the “Declarations page” of the policy to determine what coverages you have and in what amount.
If you were a passenger, send bills to the insurance company for the driver. Should the driver’s insurance company deny payment, send the denial with the outstanding bills to your own auto insurance company for payment.