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In Oregon, your medical expenses from a car accident are ordinarily covered under your own personal injury protection (PIP) policy and paid as you go rather than at the end of the claim. So what happens when you do not have a PIP policy but get hit by a motor vehicle? The Oregon PIP statutes require PIP to cover pedestrians who are struck by a motor vehicle, and define bicycles as pedestrians for the purposes of the PIP statutes. The net result is that your PIP gets paid by the adverse driver’s PIP policy, and you still have a claim against the driver’s liability policy for the driver’s negligence.

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