What Happens if I’m Out of Work Because of a Car Accident?

Missing work after a car accident throws your whole life into chaos. One day, you’re earning a steady paycheck; the next, you’re stuck at home, wondering how to cover this month’s rent. It’s a situation that can make anyone feel helpless – but Oregon law provides several ways to keep money coming in while you recover.

Most people don’t realize they have multiple options for replacing lost wages after a crash. From insurance benefits you’ve already paid for to new state programs, there’s a path forward even if you’re temporarily unable to work. Here’s what you need to know about keeping your finances stable while you focus on healing.

Your Rights Under Oregon’s PIP Coverage

Every car insurance policy in Oregon must include Personal Injury Protection (PIP) coverage. This coverage helps replace lost wages when you can’t work due to accident injuries. Here’s how PIP wage benefits work:

• You need to be off work for at least 14 days due to your injuries to qualify.
• PIP will pay you 70% of your regular wages, up to $3,000 per month.
• These benefits can continue for up to a year (52 weeks).

Let’s break this down with real numbers:

• If you normally earn $3,000 per month, PIP would pay you $2,100 (70% of your wages).
• If you earn $5,000 per month, you’d receive $3,000 (the maximum monthly benefit).
• If you earn $2,000 per month, you’d receive $1,400.

Remember, these benefits kick in regardless of who caused the accident. Even if you were at fault, you’re still entitled to PIP benefits from your own insurance.

Getting More Coverage Through Multiple Insurance Policies

Here’s something many people don’t know: if you’re covered by more than one PIP policy, you can “stack” them to get more benefits. This often happens when you’re a passenger in someone else’s car and also have your own car insurance.

For example, let’s say you were riding in a friend’s car when the accident happened. You could be covered by:

• Your friend’s PIP insurance (primary coverage).
• Your own PIP insurance (additional coverage).

When stacked, these policies can provide up to two years (104 weeks) of wage loss benefits instead of just one year. This is a recent change in Oregon law that insurance companies must follow, though some still try to deny this extended coverage.

Other Ways to Replace Lost Wages After a Car Accident

PIP isn’t your only option for replacing lost income. Here are other programs that might help:

Short-Term Disability Insurance

If you or your employer have short-term disability insurance, it can provide additional wage replacement. Check with your HR department about:

• Whether you have this coverage.
• How much it pays.
• How to file a claim.
• When benefits would start.

Paid Leave Oregon

Starting July 2024, Oregon’s new Paid Leave program provides up to 12 weeks of paid leave for serious health conditions. Car accident injuries often qualify. This program can help bridge gaps in your income while you recover.

Personal Injury Claim

If another driver caused your accident, you may recover additional lost wages through a personal injury claim. This can help make up the difference between your actual losses and what PIP covers, especially if you earn more than the PIP monthly limit of $3,000.

Steps to Take After a Car Accident

Follow these steps to protect your right to wage loss benefits:

• Tell your employer right away about your injuries and need for time off.
• Get written documentation from your doctor about why you can’t work.
• Call your car insurance company to start your PIP claim.
• Keep track of all missed work days and lost income.
• Save copies of pay stubs or tax records that show your normal income.
• Talk to a car accident attorney about additional compensation you might deserve.

Our Car Accident Attorneys Help You Recover Compensation

Dealing with insurance claims while trying to recover from injuries is stressful. At Hess Injury Law, we handle the paperwork and phone calls so you can focus on getting better. Our team will:

• File your PIP claim correctly the first time.
• Make sure you get every benefit you’re entitled to.
• Deal with insurance adjusters for you.
• Fight for additional compensation if someone else caused your accident.
• Guide you through the entire process in plain English.

Insurance companies set strict deadlines for filing claims. The longer you wait, the harder it can be to get full compensation. If you’re missing work due to a car accident in Hermiston, Pullman, or nearby areas, call us for a free consultation.

Disclaimer: The content of this blog is for informational purposes only and does not constitute legal advice. It should not be relied upon as a substitute for professional legal counsel.