Need Chiropractic Care After a Car Accident? How PIP Insurance Can Help
If you’ve been in a car accident, one of the first things you might wonder is how you’re going to pay for medical treatment. That’s where PIP—Personal Injury Protection—comes in.
PIP insurance helps cover your medical expenses after a car accident, regardless of who caused the crash. It’s designed to make sure you get the care you need, without having to wait for a settlement or court decision.
How PIP Insurance Works
PIP is either required or available in many states, especially those with “no-fault” laws. If you carry it, your policy pays for reasonable and necessary medical expenses up to a set limit, often between $5,000 and $25,000, depending on your plan and location. The best part? You can typically access these funds right away, with no need to prove who was at fault before receiving care.
Does PIP Cover Chiropractic Care?
Yes, chiropractic care is commonly covered under PIP insurance when it’s related to injuries from a car accident. If you’re experiencing whiplash, back pain, neck stiffness, or other musculoskeletal symptoms, chiropractic treatment may be considered medically necessary. As long as your chiropractor properly documents your injuries and creates a clear treatment plan, PIP will often cover your visits, adjustments, and associated therapies.
Other Costs PIP Can Help Cover
In addition to chiropractic and medical treatment, PIP may cover lost wages if your injuries keep you from working. Some policies even include coverage for services like child care, transportation to medical appointments, or household help. Check your policy or ask your insurance provider to understand what’s included and where your limits are.
Why Acting Quickly Matters for PIP
Some states require you to seek treatment within a specific window of time after the accident (often as little as 14 days) to be eligible for PIP coverage. That’s why quick evaluation is critical, even if you’re not sure how serious your injuries are. Early chiropractic care can reduce inflammation, improve mobility, and help prevent long-term complications.
The Right Provider Makes a Difference
If you’re planning to use PIP insurance to pay for your care, it helps to choose a chiropractor who’s familiar with post-accident documentation and billing. A provider who understands the process can ensure your treatment plan is aligned with what insurance carriers require. This can help you avoid unnecessary delays or claim denials.
We Accept Oregon PIP Insurance
If your accident happened in Oregon, you may be eligible for chiropractic care at little to no cost out of pocket*. That’s because Personal Injury Protection (PIP) coverage is automatically included in every Oregon auto insurance policy. It provides at least $15,000 in medical benefits for up to two years after an accident—so you can focus on recovery instead of worrying about bills.
Your PIP benefits can help cover:
- Chiropractic care for whiplash, neck, and back injuries
- Massage therapy and other chiropractic services
- Corrective exercise and rehabilitation programs
- Lost wages and other accident-related expenses
You’ve already paid for this protection—now it’s time to use it. Let your PIP coverage work for you while you focus on getting the care you need and healing naturally.
Let PIP Insurance Help You Heal
PIP insurance can help take much of the stress out of recovery. With the right care team and a clear understanding of your benefits, you can focus on what matters most: getting better.
If you’re recovering from a car accident and considering chiropractic care, don’t wait. Reach out to a qualified chiropractor who can help you start healing and help you navigate the paperwork, too. We’re here to help—contact Veeva Chiropractic today.
