Every automobile liability policy in Oregon is issued with PIP coverage, but the law does not require it for motorcycle insurance policies. PIP stands for Personal Injury Protection and is a provision in your automobile policy that provides for medical expense coverage, and wage loss in the event of an accident.
Often motorcycle riders are aware of PIP coverage because their automobile policy is issued with this coverage, but riders sometimes don’t realize it is not required to be included coverage in their motorcycle policy. Insurance agents rarely make the motorcycle rider aware that PIP is not included in their policy, and moreover, that the motorcycle rider can obtain PIP coverage on their policy. That is right, even though it is not required by the law, you as the rider can obtain PIP coverage.
I highly recommend that motorcycle riders inquire with their insurance agent about obtaining PIP coverage. Sometimes, particular insurance companies do not offer PIP on motorcycles, but there are many insurance companies that do. Don’t allow your allegiance to an agent to keep you from changing insurers if necessary in order to get PIP Coverage added to your motorcycle policy.
The severity of injuries which result from motorcycle accidents often require significant treatment, and time off of work. PIP coverage protects you in this scenario. When you are in an accident with someone else who is at fault, PIP coverage kicks in immediately so that you do not have outstanding bills while your claim is pending.
Prudent riders not only invest in the best helmet, outerwear, and gloves, but also in coverage which includes Personal Injury Protection.