Accident billing
PIP may help pay for eligible chiropractic care after a car accident when the coverage and treatment requirements apply. The answer for a specific visit depends on the policy, remaining benefits and the claim.
Washington: first confirm that PIP is included
Washington insurers must offer personal injury protection, but a policyholder can reject it in writing. The state’s basic PIP medical and hospital benefit is up to $10,000 for expenses within three years of the accident; higher limits may be available. Ask your insurer what your policy actually provides.
Oregon: understand the medical benefit
Oregon’s required PIP medical benefit generally provides at least $15,000 for reasonable and necessary expenses incurred within two years after injury. A minimum benefit is not a promise that every service will be paid. Confirm the applicable policy and how your insurer reviews accident-related treatment.
The clinic’s location alone does not decide which state’s policy rules apply. Explain the policy and claim details to the insurer and billing team.
What to confirm before assuming a visit is covered
- Does the applicable policy include PIP, and what benefits remain?
- What documentation is needed for the proposed care?
- Does the insurer require authorization, review or other steps?
- Will the clinic bill this coverage for my specific claim?
- What happens if a service is not covered or benefits are exhausted?
Record whom you spoke with and ask for an explanation of any unfamiliar term. Bring the claim contact and relevant paperwork to a private billing conversation rather than including identifiers in an online message.
Coverage does not replace an assessment
An insurance limit does not determine how much treatment you need. Discuss the findings, options and review point with your clinician. Our car accident care page and visit-planning guide explain the clinical conversation.
If massage is proposed alongside chiropractic care, ask about its clinical purpose and billing requirements separately. Do not assume that coverage for one service confirms coverage for another.
Discuss your claim questions with the right team
Contact our Vancouver chiropractic office or Gresham chiropractic office to ask about current arrangements. Review insurance and billing information and the PIP overview. Request an appointment for a routine care discussion.
This is general insurance information, checked against the state resources below on October 15, 2026. It does not determine coverage for your claim.
General patient information. Your clinician can discuss how these options apply to your health and circumstances.