wonk on insurance.
Welcome to our Get Legal column. This is usually written by noted local bike lawyer Ray Thomas. But this time we’ve got one of Mr. Thomas’s co-workers Charley Gee filling in. Gee, an attorney at Swanson, Thomas, Coon & Newton is also an expert on how bicycles fit into the legal fine print. Today he’ll unravel confusion that often exists around insurance. Specifically, how auto insurance policies impacts those of us who don’t drive much (or at all).
Q. I have an Oregon automobile insurance policy. What does that mean?
A. In Oregon, every automobile insurance policy has four areas of coverage: Liability, Personal Injury Protection (PIP), Property Damage, and Uninsured/Underinsured Motorist Coverage (UM/UIM).
Q. What is PIP?
A. PIP covers medical expenses and lost wages if you are injured in a collision. In Oregon, the minimum amount of coverage is $15,000. PIP is (usually) “first party” coverage which means your automobile insurance covers your medical bills and wage loss despite the collision being the fault of another road user.
Q. I ride a bicycle and walk places sometimes, do I need to buy an additional insurance policy that covers me when I ride?