{"id":18806,"date":"2015-08-02T14:35:30","date_gmt":"2015-08-02T21:35:30","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?post_type=faqs&#038;p=18806"},"modified":"2026-05-18T22:37:57","modified_gmt":"2026-05-19T05:37:57","slug":"what-is-personal-injury-protection-or-pip","status":"publish","type":"page","link":"https:\/\/pdxinjurylaw.com\/es\/faqs\/what-is-personal-injury-protection-or-pip\/","title":{"rendered":"\u00bfQu\u00e9 es Protecci\u00f3n contra Lesiones Personales (PIP)?"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-full wp-image-16127\" src=\"https:\/\/pdxinjurylaw.com\/wp-content\/uploads\/2011\/07\/Understanding-Personal-Injury-Protection-Insurance.jpg\" alt=\"Oregon PIP, paying medical bills after accident, Portland lawyer\" width=\"216\" height=\"143\" \/>Si sufres una lesi\u00f3n como resultado del uso, mantenimiento u ocupaci\u00f3n de un veh\u00edculo motorizado, entonces<strong>\u00a0Tu seguro de autom\u00f3vil cubrir\u00e1 hasta 15 000 TP4T15 de tu tratamiento m\u00e9dico a trav\u00e9s de la cobertura de protecci\u00f3n contra lesiones personales<\/strong>\u00a0hasta por 1 a\u00f1o despu\u00e9s de la lesi\u00f3n. Puede recibir l\u00edmites m\u00e1s altos, pero solo si pag\u00f3 las primas m\u00e1s elevadas.<\/p>\n<p style=\"text-align: left;\">PIP es un recurso incre\u00edble al que acudir en caso de accidente. Es un excelente medio para deshacerse de deudas m\u00e9dicas despu\u00e9s de un choque automovil\u00edstico. La protecci\u00f3n contra lesiones personales ayuda a pagar sus facturas m\u00e9dicas.\u00a0<strong>Usa tu PIP primero, antes del seguro de salud, por varias razones:<\/strong><\/p>\n<ol>\n<li>Es muy probable que tu seguro m\u00e9dico no te pague porque saben que la PIP deber\u00eda pagar.<\/li>\n<li>El PIP solo cubre el tratamiento durante un a\u00f1o o hasta un m\u00e1ximo de 15 000 TP4T (lo que ocurra primero).<\/li>\n<li>Una vez que tu PIP haya expirado, puedes usar tu seguro m\u00e9dico para pagar tus facturas m\u00e9dicas hasta que recibas una indemnizaci\u00f3n.<\/li>\n<li>PIP es genial incluso si no tienes seguro m\u00e9dico, porque dentro de lo razonable puedes ver a cualquier m\u00e9dico que desees.<\/li>\n<li>Algunas p\u00f3lizas PIP tienen una franquicia, pero la legislaci\u00f3n de Oreg\u00f3n no permite que esta supere los 1.425 d\u00f3lares.<\/li>\n<\/ol>\n<p style=\"text-align: left;\">El PIP tambi\u00e9n es un buen recurso al que recurrir si has sufrido una lesi\u00f3n y no puedes trabajar. El PIP cubrir\u00e1 parte de tu p\u00e9rdida de ingresos, normalmente el 70 por ciento, hasta un m\u00e1ximo de $3000 al mes. Puede que el 70 por ciento de tus ingresos no parezca mucho, pero, en general, esta ayuda econ\u00f3mica no est\u00e1 sujeta a impuestos.<\/p>\n<p style=\"text-align: left;\">Sin embargo, hay una advertencia: PIP solo pagar\u00e1 la p\u00e9rdida de salario si usted falta al trabajo durante 14 d\u00edas consecutivos. Las compa\u00f1\u00edas de seguros pueden ser bastante estrictas con este requisito, por lo que si se encuentra en una situaci\u00f3n como esta, lo mejor es quedarse en casa y no regresar al trabajo por ning\u00fan motivo. Si es necesario, haga arreglos con un compa\u00f1ero de trabajo para que le entregue cualquier art\u00edculo que pueda necesitar, porque un simple viaje de regreso al trabajo podr\u00eda costarle la negaci\u00f3n de la p\u00e9rdida de salario por parte de PIP. Adem\u00e1s, aseg\u00farese de que su tiempo libre del trabajo pueda ser verificado por un m\u00e9dico. Solicite una nota escrita a su m\u00e9dico que diga que no puede trabajar durante 14 d\u00edas o m\u00e1s.<\/p>\n<p style=\"text-align: left;\">Ten cuidado si usas tus d\u00edas de enfermedad o vacaciones para tus ausencias del trabajo; el PIP, al final, puede pagarle directamente a tu empleador, en lugar de a ti. Entonces ser\u00e1 tu responsabilidad negociar con tu empleador para que te devuelvan los d\u00edas de enfermedad o vacaciones a tu cuenta a cambio del dinero del PIP que le has entregado a tu empleador.<\/p>\n<p style=\"text-align: left;\">Si eres una mam\u00e1 o un pap\u00e1 que se queda en casa, PIP tambi\u00e9n puede funcionar para ti. Si no puedes realizar funciones normales del hogar, como cocinar, limpiar o cuidar a los ni\u00f1os, como resultado de tus lesiones relacionadas con el accidente,\u00a0<strong>PIP te pagar\u00e1 hasta $30 al d\u00eda para que contrates a alguien que realice estas tareas por ti.<\/strong>\u00a0$30 no es mucho, pero es mejor que nada.<\/p>\n<p style=\"text-align: left;\">El PIP es un recurso valioso que puede hacer la realidad de una lesi\u00f3n relacionada con un accidente un poco m\u00e1s llevadera. Pero es posible que a\u00fan necesites tratamientos m\u00e9dicos despu\u00e9s de que se agote tu PIP, momento en el cual podr\u00edas considerar contratar a un\u00a0<a href=\"\/es\/practice-areas\/personal-injury\/\">Portland abogado de lesiones personales<\/a>\u00a0para ayudarte a obtener una compensaci\u00f3n de la compa\u00f1\u00eda de seguros del conductor culpable.<\/p>\n<p style=\"text-align: left;\">Para m\u00e1s informaci\u00f3n sobre el PIP y otras herramientas que le ayudar\u00e1n con su caso de lesiones personales en Oreg\u00f3n, no dude en contactarnos o leer\u00a0<em><a href=\"https:\/\/pdxinjurylaw.com\/es\/7-common-mistakes-that-can-wreck-your-oregon-accident-case\/\">7 Errores Comunes que Pueden Arruinar tu Caso de Lesiones Personales en Oreg\u00f3n.<\/a><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>If you sustain an injury that is the result of the use, maintenance or occupancy of a motor vehicle then\u00a0your car insurance will pay up to $15,000 towards your medical treatment through your personal injury protection coverage\u00a0for up to 1 year after the injury. You may receive higher limits, but only if you paid the&#8230; <a class=\"fancy_link\" href=\"https:\/\/pdxinjurylaw.com\/es\/faqs\/what-is-personal-injury-protection-or-pip\/\">leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"parent":63509,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_content_optimizer_report_url":"","_content_optimizer_report_added":"","_content_optimizer_keyword_hide_used":false,"_content_optimizer_keyword_hide_above_average":false,"_content_optimizer_entities_hide_used":false,"_content_optimizer_entities_hide_above_average":false,"_content_optimizer_headings_hide_used":false,"_content_optimizer_questions_hide_used":false,"_content_optimizer_tab_active":"","_content_optimizer_report_url_ce":"","_content_optimizer_report_added_ce":"","_content_optimizer_keyword_hide_used_ce":false,"_content_optimizer_keyword_hide_above_average_ce":false,"_content_optimizer_entities_hide_used_ce":false,"_content_optimizer_entities_hide_above_average_ce":false,"_content_optimizer_headings_hide_used_ce":false,"_content_optimizer_questions_hide_used_ce":false,"_content_optimizer_tab_active_ce":""},"class_list":["post-18806","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is Personal Injury Protection, or PIP?<\/title>\n<meta name=\"description\" content=\"Learn how Personal Injury Protection (PIP) insurance covers treatment, bills, and lost work after injuries. 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