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Auto Insurance

All our therapists accept insurance for motor vehicle accidents and we will bill your insurance directly. Unlike private health insurance, auto insurance doesn't have networks, so you can see any licensed provider of your choosing without worrying if they are in-network or out-of-network. We bill auto insurance directly and there is no cost to you; no copay, no deductible, no fee.

 

To get started, please book an MVA appointment. You will be prompted to fill out an intake form that will send your insurance information to our office.

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We ask that you get a referral for auto accident treatment as it can help protect your claim and get our therapists paid in a timely manner. A referral is a document like a prescription. It can be written by a medical doctor, nurse practitioner, physician assistant, doctor of osteopathy, naturopath, or chiropractor. If you were treated by a medical professional after the accident, you should be able to request a referral from their office without having to make an additional appointment. They can provide their own letter or use our form but make sure they provide all the information on our form. 

Referral Form

We recommend that you get a re-assessment and a new referral from one of the providers listed above every 4-8 weeks to keep your claim active. Please send us new referrals as you get them.

Types of Auto Accident Claims

Personal Injury Protection (PIP)

The most common type of motor vehicle accident claim is personal injury protection, or PIP. Oregon auto insurance policies will cover massage therapy after a collision for drivers and passengers regardless of fault, or if you were a cyclist or pedestrian not at fault.

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Oregon: Auto insurance plans are required to carry PIP.
Washington: Auto insurance plans carry PIP by default. Drivers may opt-out.
Oregon: Minimum $15,000 for medical treatment including massage therapy.
Washington: Minimum $10,000 for medical treatment including massage therapy.
Oregon: Lasts 2 years after the date of the car accident.
Washington: Lasts 3 years after the date of the car accident.
Oregon: Doctor’s referral not required (but we recommended getting one).
Washington: Doctor’s referral is required.
Oregon: You can use PIP and still sue/pursue a settlement from the at-fault driver's insurer.
Washington: You can use PIP and still sue/pursue a settlement from the at-fault driver’s insurer.


PIP is per-person. For example, if you were driving with a passenger, you get a $15,000 minimum claim, and your passenger gets a separate $15,000 minimum claim.

  • If you were driving your own car, your auto insurance will pay PIP.

  • If you were a passenger, the auto insurance of the owner of the car in which you were riding will pay PIP; after that money runs out, you can start a claim on your own auto insurance and get additional benefits.

  • If you were a pedestrian or cyclist, the at-fault driver's auto insurance company will pay PIP.

  • If you were injured by an uninsured driver, you can make a claim under your own auto insurance.

  • If you were a pedestrian or cyclist who is found to be at fault for the car accident, you will likely not get PIP benefits.

​Using PIP benefits will not affect your auto insurance premium.

Bodily Injury settlement (BI)

Unlike PIP which is no-fault, a bodily injury claim is when an injured person pursues a settlement from the at-fault driver’s insurer.

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If you have a BI settlement, chances are you also have a PIP claim open. When you fill out our intake, please be prepared to submit information for both.

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