Auto Accident FAQ:
How will I be able to PAY for my CARE?
Most Oregon Motor Vehicle Insurance policies are required to provide Personal Injury Protection (PIP) and uninsured motorist coverage. These provisions are in place to protect you and your passengers medically in the event of a collision. PIP usually covers a minimum of $15,000 per person worth of medical expenses. You may be eligible for PIP regardless of whether or not you were at fault in the accident. PIP may also apply to people in the car with you at the time of the accident. Pedestrians and bicyclists are also sometimes covered by pip when hit by a vehicle. For more information we recommend you visit: http://www.oregonlaws.org/ors/742.520
Should I ignore my NECK PAIN after a car accident?
No you shouldn’t. A study by Freeman found that 45% of the American population that had chronic neck pain attributed the cause of their pain to a previous car crash
Is chiropractic care an effective treatment for my auto accident injuries?
YES! A study by Woodward reported that chiropractic care was effective in 93% of people with chronic whiplash. Managing people with chronic whiplash is more challenging than managing people with a recent whiplash injury.
A meta-analysis of many studies looked at the effectiveness of chiropractic care for the treatment of neck pain. The studies showed that chiropractic treatments were effective in reducing pain, improving neck motion, and improving activities of daily living.
A recent study by Giles and Muller compared the efficacy of treating spinal pain via three different treatment methods: medical treatment (medication), acupuncture treatment, and chiropractic treatment (spinal manipulation). They found that chiropractic treatment was over five times more effective than medical treatment and was almost two times more effective than acupuncture!
Does it matter if I braced for the car accident or if it totally caught me by surprise?
Yes, a lack of awareness in rear end crashes increases the probability of chronic whiplash pain 15 times!
I was involved in a car accident where my car did not even get damaged, why do I have pain now?
Modern cars can crash at speeds that are fast enough to injure you, but not fast enough to damage your car! A study by Chapline revealed that 38% of women and 19% of men sustained an injury after a car accident, even though their car was not damaged. Most modern vehicles are made to withstand crashes up to 8-10 mph without incurring any damage to the car. An average, healthy, adult male can get a neck injury with change in velocity of only 2.5 mph to 5 mph.
What percentage of people involved in low speed crashes are injured?
A study by Foret-Bruno of over 8,000 automobile crashes revealed that 36% of people involved in an accident were injured when the change in the vehicle velocity was less than 9.3 mph. 9.3 mph is how fast many of us drive in a parking lot!
Is it safer to sit in the front seat or the back seat of a car, or does it matter?
Front Seat, a study by Lovsund found that back seat passengers were slightly more likely to be injured than front seat passengers.
I wasn’t even DRIVING, I was STRUCK by a car! Now What?!
If you were a pedestrian or a bicyclist and you were hit by a car, your own PIP policy will cover you first. If you were a pedestrian or bicyclist and you don’t have your own car insurance, then the PIP policy of the car that hit you will cover your medical expenses.
What is PIP?
The following information is not legal advice and is not a substitute for speaking with an attorney specializing in PIP law.
All Oregon car insurance policies have Personal Injury Protection (PIP) as part of your car insurance, even if you only have basic liability insurance instead of full coverage insurance, and even if your car was at fault in the accident.
PIP gives each person in the involved car up to 1 year of treatment and pays up to $15,000 of all necessary medical expenses to treat your injuries related to the car accident. “Medical” expenses include: chiropractic treatments, emergency room visits, medicine, medical doctor visits, and the ambulance bill to name a few. Also, your car insurance deductible does not apply to your PIP as there is usually no deductible to pay with PIP.
Although Oregon law gives all auto insurance policies $15,000 of PIP for each occupant of the vehicle, some Oregon drivers elect to buy more PIP coverage from their insurance agent.
I read all these FAQs and I STILL have questions, what do I do now?!
If you still have unanswered questions, we recommend giving us a CALL or sending an EMAIL (we check our email ALL THE TIME). Our doctors love answering questions! If you are ready to take the next step and schedule an appointment, head on over to our ONLINE SCHEDULING page and book an appointment!
(Nothing on this page should be mis-construed as legal advice, Active Life Chiropractic and Rehab, LLC does not employ lawyers or practice law)