A Few Words About PIP
I have been working on a few issues involving my clients' PIP in the past few days. I find it especially frustrating because the PIP carrier is my client's insurance company, but you would never know it when dealing with the PIP adjuster.
In Oregon, unlike Washington, auto insurers must provide PIP, which is short for Personal Injury Protection Benefits. The two most commonly used coverages are medical benefits and disability. As with any insurance claim, an adjuster requires documentation. So, if you are disabled, the adjuster will want your wage earning records, and a note from the doctor taking you off work. Fair enough.
Recently, an adjuster for my client has been holding up disability benefits because he cannot get the employer on the line to confirm that my client is unable to work. The off work note and the x ray showing the broken bone is not enough. In the meantime, my client is waiting for her disability income to pay bills, and buy groceries. I bet the insurance company would not allow coverage to remain if an insured had a good reason to skip a month paying premiums.
When this happens, you have some options. One is to contact the State of Oregon Department of Consumer and Business Services Insurance Division, and file a complaint. This may get the attention of the adjuster. The other is to ask for arbitration, or even file a lawsuit in the local Court. Depending the situation, we are often able to get the insurance company to do what it needs to do.
Other Resources: Oregon's Unfair Claims Practices Rules