Auto Insurance & PIP Coverage Chiropractor

Auto insurance coverage for chiropractic care can be confusing, but understanding your options ensures you receive the treatment you need without unnecessary out-of, pocket expenses. At Form & Function Chiropractic, our experienced billing team helps patients navigate insurance coverage, understand their benefits, and manage claims efficiently. We work directly with auto insurance companies to maximize your coverage and minimize your costs.

Pip (personal Injury Protection) Coverage

Most auto insurance policies include PIP coverage that covers medical treatment for accident, related injuries, including chiropractic care. PIP typically covers treatment costs regardless of who caused the accident. Your policy may have per, visit limits or aggregate limits, so it’s important to understand your specific coverage. We can verify your PIP benefits before treatment begins.

Liability Coverage

If another driver caused your accident, their liability insurance should cover your chiropractic care. This allows you to pursue treatment without affecting your own insurance rates or deductibles. We can bill the at, fault driver’s insurance directly, which typically covers reasonable and necessary medical treatment.

Uninsured/underinsured Motorist Coverage

If you were hit by an uninsured driver or a driver with insufficient liability coverage, your uninsured/underinsured motorist coverage may cover your treatment costs. Oregon law requires all drivers to carry minimum liability coverage, but some have insufficient limits to cover all treatment costs.

Workers’ Compensation

If your accident occurred during work, workers’ compensation covers medical treatment including chiropractic care. Oregon requires employers to maintain workers’ comp coverage for all employees. Contact your employer’s HR department or your workers’ comp adjuster for coverage information.

Self, Pay and Payment Plans

If you’re uninsured or your coverage is exhausted, we offer affordable self, pay rates and flexible payment plans. We never want insurance coverage to be a barrier to receiving necessary care. Contact our billing team to discuss options.