PIP Insurance & Auto-Injury Coverage — Vancouver WA & Gresham OR

If you were hurt in a car accident, there’s a good chance your auto insurance already pays for chiropractic care — no matter who caused the crash — through a coverage called Personal Injury Protection (PIP). The catch is that most people don’t know they have it, or aren’t sure how to use it. That’s where we come in: at Chiropractic and Massage Near Me, we bill your PIP directly in both Washington and Oregon, so most patients pay nothing out of pocket for covered care, and we handle the paperwork so you can focus on healing.

What is PIP, and why does it matter after a crash?

PIP is a no-fault part of your auto policy. “No-fault” means it pays for reasonable, medically necessary accident care regardless of who was at fault — even if the crash was your fault, and even before anyone decides who was to blame. It’s designed to get you care quickly without waiting on a settlement or a lawsuit. For injuries like whiplash, neck and back pain, and other soft-tissue strains, that’s exactly the kind of prompt, conservative care PIP is meant to cover.

We bill your PIP directly — $0 upfront in most cases

You shouldn’t have to front the cost of care while you’re recovering. When you have PIP, we bill your auto insurer directly, so for covered, medically necessary treatment within your limit, most patients pay little or nothing out of pocket. We also verify your specific benefits up front and explain exactly how your coverage works before we begin — no surprises.

A quick, honest note: PIP limits are finite and can be used up, and insurers can question care they consider unrelated or unnecessary. We won’t overpromise on what’s covered. What we will do is check your benefits, document everything thoroughly, and keep you informed the whole way.

You don’t need a lawyer to start care

Opening a PIP claim and getting treated does not require an attorney. You can begin care right away. If you already have a lawyer — or hire one later — we’re glad to coordinate with your attorney and provide the thorough documentation your case needs, without ever pushing you to hire anyone. If it’s helpful, your attorney can learn more on our For Attorneys page.

No PIP, or already used it up? Ask about a Letter of Protection.

Not everyone has PIP, and sometimes it runs out before recovery is complete. If that’s your situation, ask us about starting care on a Letter of Protection (LOP). With an LOP, you can begin gentle care now without paying out of pocket in the meantime, and the bill is settled later out of your accident settlement. It’s one option, subject to your attorney and the specifics of your case — we’ll talk you through whether it fits. We also work with health insurance, Medicare, and a claim against the at-fault driver where appropriate; see our insurance & billing page for the full picture.

Washington vs. Oregon PIP — the quick version

Every policy is different, and we verify your exact benefits, but here’s the general landscape in the two states we serve:

• Oregon (Gresham clinic): PIP is required on every auto policy, with a minimum of $15,000 in medical benefits per injured person, covering accident-related care incurred within two years of the injury. Most policies have no copay and at most a small optional deductible.
• Washington (Vancouver clinic): insurers must offer PIP, typically with a minimum of $10,000 in medical benefits (higher limits are available), covering reasonable accident care generally incurred within three years. Because it’s optional, it’s worth checking whether you kept it on your policy — many drivers have it without realizing.

Not sure what you have? Bring your auto policy or insurance card to your free consultation and we’ll help you figure it out. This page is general information about insurance, not legal advice.

We treat the injury and the paperwork

Dealing with an accident claim on top of an injury is exhausting. Our team bills your PIP directly, verifies your benefits, and documents your injuries, exams, and treatment thoroughly — the kind of clear records your insurer, and your attorney if you have one, need. And our care itself is gentle and low-force, with no forceful cracking or twisting — a comfortable option for a body that’s just been through a crash. Learn more about our car-accident and auto-injury care, or about how we handle on-the-job injuries on our work injury page.

Frequently Asked Questions

Does PIP cover chiropractic care after a car accident?

Yes, in most cases. PIP is no-fault coverage that pays for reasonable, medically necessary accident care — including chiropractic — regardless of who caused the crash, up to your policy limit and within your state’s time window. We bill it directly so you can focus on getting better.

Will I have to pay anything out of pocket?

Usually not for covered, medically necessary care within your PIP limit. Most policies have no copay and at most a small deductible. We can’t promise every service is covered, so we verify your specific benefits before we begin and keep you informed.

Do I need a lawyer to use my PIP?

No. You don’t need an attorney to open a PIP claim or to start care. If you do have or later hire a lawyer, we provide thorough documentation to support your case and coordinate with them.

The accident was my fault. Can I still use PIP?

Yes. PIP is no-fault, first-party coverage on your own policy, so it pays your accident-related medical care whether or not the crash was your fault.

What if I don’t have PIP?

You still have options. We can bill your health insurance or Medicare, pursue a claim against the at-fault driver, or discuss starting care on a Letter of Protection so cost doesn’t delay your recovery. Ask us at your free consultation.

Injured in a crash? Don’t let confusion about insurance delay your care. We bill your PIP directly, offer a free consultation, and speak English, Spanish, and Russian. Call (360) 798-4543 to get started at our Vancouver, WA clinic (4201 NE 66th Ave, Ste 102) or our Gresham, OR clinic (689 NW Burnside Rd). We’re open 8am–9pm daily by appointment.