A car insured in Oregon is required to provide no fault disability benefits for people who were injured while driving or riding in the car. In some cases, a pedestrian struck by a car also enjoys personal injury protection benefits. These benefits include medical coverage, but also disability. In this article, we discuss disability benefits.
If your injuries keep you from working, you may be entitled to disability benefits from the personal injury protection coverage for the car you were driving or riding in when you were injured. Your doctor must take you off work, and put it in writing. Also, your disability has to last for at least fourteen consecutive days. We always recommend that you have your physician document your disability at least once every month.
You are also going to verify your employment. Get your employer to print out a report of your earnings for the year prior to the injury. Make sure they provide each pay period. This will help the insurance company figure out what you were earning, on average, week to week. This is the average weekly wage, and your benefit will be 70% of your average weekly wage, but only up to a certain amount. This benefit is available for up to 52 weeks.
If you were injured while driving or riding in a car insured in Washington, the car may not have personal injury protection coverage for disability because in Washington, this coverage is optional.
However, even if you do not qualify for a disability benefit under a personal injury protection policy, you can still make a claim for lost income, but you have to prove it.
Sometimes, you may be able to claim these benefits with an auto insurer that insures a car in your household, as well as the car you were riding in. This depends on how badly you were injured, and other factors.
If you are looking at long term disability after a serious injury, there may be other options. Questions? Call us at 503 325 8600 to find out whether you have other options.