You can check the terms of your personal injury protection (PIP) coverage and discuss this injury with your auto insurance agent but it is doubtful this would be considered a covered bodily injury.
Oregon personal injury protection coverage pays for medical, rehabilitation, funeral, and child-care expenses as well as for loss of earnings and in-home assistance if you and your passengers are injured in an accident, regardless of who is at fault.
PIP is Oregon’s version of no-fault insurance. It allows you and your passengers, regardless of who caused an accident, to have insurance coverage for “reasonable and necessary” medical, dental, hospital, surgical, ambulance, and prosthetic services incurred within one year after the date of an injury up to a maximum of $15,000.
Medical treatment is considered reasonable and necessary unless a provider receives a denial notice within 60 calendar days of claim notice. After that, the burden of proving that treatment was not reasonable and necessary is on the insurance company.
The type of accident you referred to in the PIP description would be an automobile accident which because you were outside of the vehicle and fell onto it would likely not be considered a covered loss or injury by your insurance provider. To find out for certain discuss your situation with your insurance agent.
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