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Insurance We Accept: Chiropractic Care Covered by PIP, Workers’ Comp and Major Insurance Plans

ProCare Chiropractic Center accepts any auto insurance and works with all major insurance companies at our clinics in Southeast Portland, Keizer, Sherwood and Hillsboro. If you were hurt in a car accident or at work, your chiropractic care is usually billed to your PIP, workers’ compensation or another claim, and our team helps you with the paperwork from the first call.

  • Any auto insurance accepted
  • PIP pays regardless of fault
  • Workers’ comp & attorney cases
  • 4 clinics in Oregon

In short

  • We accept any auto insurance, including State Farm, Progressive, Allstate, Farmers, GEICO, USAA, Liberty Mutual and Safeco.
  • After a car accident in Oregon, chiropractic care is usually paid by Personal Injury Protection (PIP), which covers at least $15,000 in medical expenses per person.
  • PIP is no-fault: it pays your medical bills no matter who caused the accident.
  • We also treat work injuries under workers’ compensation and work with personal injury attorneys under a letter of protection (LOP).
Accepted insurance

Insurance companies we work with most often

We work with every auto insurance company. These are the carriers our patients use most often. Under each name you will see the company names as they appear on insurance cards and claim documents.

SF

State Farm

State Farm, State Farm Fire & Casualty

P

Progressive

Progressive, Artisan & Truckers Casualty

A

Allstate

Allstate, Allstate North America, Integon Indemnity

F

Farmers Insurance

Farmers Insurance, Farmers Insurance Exchange

LM

Liberty Mutual & Safeco

Liberty Mutual, Safeco, Safeco Insurance Company of Illinois

G

GEICO

GEICO Secure, GEICO Casualty

U

USAA

United Services Automobile Association, USAA Casualty, USAA General Indemnity, Garrison Property & Casualty

AF

American Family

American Family, American Family Connect

C

COUNTRY Financial

Country Preferred, Country Mutual

SF

Standard Fire

Standard Fire

SN

State National

State National

AM

Amica Mutual

Amica Mutual

Don’t see your insurance company? We still accept it. Call us with your insurance details and claim number, and our team will help you check your coverage before your first visit.

Call (503) 206-6078

Ways to pay for care

Types of coverage that can pay for chiropractic care

After an injury, more than one type of insurance can apply. Here is how each one usually works for our patients.

Car accident

Personal Injury Protection (PIP)

Every auto policy in Oregon includes PIP. It is usually the first coverage that pays for chiropractic care, physical therapy and massage therapy after a car accident, and it pays regardless of fault.

How PIP works in Oregon

Car accident

The at-fault driver’s insurance

If another driver caused the accident, their bodily injury liability coverage may pay for care that goes beyond your PIP benefits. These claims usually take longer and are often handled with an attorney.

Car accident

Uninsured / underinsured motorist (UM/UIM)

Oregon auto policies must include uninsured motorist coverage. It can help when the driver who hit you has no insurance or not enough insurance to cover your injuries.

Work injury

Workers’ compensation

If you were hurt on the job, your employer’s workers’ compensation insurance can cover your care. We treat back, neck, shoulder and repetitive strain injuries from work. Workplace injury recovery

With an attorney

Letter of Protection (LOP)

If you have a personal injury attorney, treatment can be arranged under a letter of protection, so the bill is paid from your settlement.

Other

Health insurance

We also work with health insurance. Benefits for chiropractic care depend on your plan, so call us and we will help you check what is covered.

Oregon PIP

How PIP covers chiropractic care in Oregon

Oregon law requires every private passenger auto insurance policy to include Personal Injury Protection (ORS 742.520). PIP is no-fault coverage: your own insurance pays your medical bills first, without waiting to find out who caused the accident.

PIP pays for reasonable and necessary medical care, including chiropractic adjustments, physical therapy, rehabilitation and massage therapy, for expenses incurred within two years after the injury.

Who is covered by PIP

  • The person named on the policy
  • Family members who live in the same household
  • Passengers in the insured vehicle
  • Pedestrians struck by the insured vehicle

Each group has conditions and exclusions in the law, so coverage depends on the circumstances of the accident.

PIP benefit Oregon minimum (ORS 742.524)
Medical expenses, including chiropractic care Up to $15,000 per person, for expenses incurred within 2 years of the injury
Lost income 70% of lost income, up to $3,000 per month, for up to 52 weeks, if you are disabled for at least 14 days
Essential services (if you don’t work) Up to $30 per day for up to 52 weeks, if you are disabled for at least 14 days
Child care $25 per day, up to $750, if a parent of a minor child is hospitalized for 24 hours or more
Funeral expenses Up to $5,000

These are the minimums required by law. Many policies include higher PIP limits. Read more in our guide Oregon PIP Insurance Explained.

Your first visit

What to expect when you use insurance at ProCare

  1. Call or book onlineCall (503) 206-6078 or book online. Tell us the date of the accident or injury and your insurance company.
  2. Coverage checkOur team helps you understand which coverage applies: PIP, workers’ comp, UM/UIM, health insurance or an LOP.
  3. Initial consultationThe chiropractor examines you and, if needed, refers you for an X-ray or MRI.
  4. Treatment planYour plan may include chiropractic adjustments, physical therapy, rehabilitation exercises and massage therapy.
  5. Claims supportWe send records and bills to your insurer and keep in touch with your attorney if you have one. Insurance support
Checklist

What to bring to your first visit

  • Photo ID
  • Your auto insurance card or policy number
  • Claim number, if you have already reported the accident
  • The other driver’s insurance information, if you have it
  • The police report number, if one was filed
  • For work injuries: your employer’s name and the workers’ compensation claim number, if you have one
  • Your attorney’s contact information, if you are working with one
  • A list of your symptoms and any medications you take
Protect your benefits

Tips to avoid problems with your claim

  • Get checked soon after the accident. Some injuries, like whiplash, can take days to show symptoms, and early records make your claim clearer.
  • Report the accident to your insurance company and write down your claim number.
  • Keep your appointments. Gaps in treatment can raise questions from the insurance company.
  • Keep copies of bills and records and share them with your attorney if you have one.
  • Remember the two-year window. Oregon PIP covers medical expenses incurred within two years after the injury.
Locations

Insurance-accepted chiropractic care at four Oregon clinics

All our clinics accept the same insurance plans. Our Portland clinic is on SE Stark Street in Southeast Portland. Open Monday to Friday, 9:00 AM to 6:00 PM.

Portland (Southeast)

10915 SE Stark St, Portland, OR 97216

(503) 206-6078

Keizer

3785 River Rd N, Keizer, OR 97303

(503) 206-6078

Sherwood

16771 SW 12th St Ste E, Sherwood, OR 97140

(503) 206-6078

Hillsboro

329 SE 3rd Ave, Hillsboro, OR 97123

(503) 206-6078

FAQ

Frequently asked questions about insurance

Do you accept my insurance?

Yes. ProCare Chiropractic Center accepts any auto insurance. The companies we work with most often are State Farm, Progressive, Allstate, Farmers, Liberty Mutual, Safeco, GEICO, USAA, American Family, COUNTRY Financial, Standard Fire, State National and Amica Mutual. If your company is not on the list, call us at (503) 206-6078 and we will help you check your coverage.

Is there a chiropractic clinic in Southeast Portland that accepts major insurance plans?

Yes. Our Portland clinic at 10915 SE Stark St in Southeast Portland accepts all major auto insurance plans, PIP, workers’ compensation and letters of protection. Our clinics in Keizer, Sherwood and Hillsboro accept the same plans.

Does PIP cover chiropractic care in Oregon?

Yes. Oregon PIP covers reasonable and necessary medical expenses, including chiropractic care, up to at least $15,000 per person for expenses incurred within two years after the injury (ORS 742.524).

Do I have to be not at fault to use PIP?

No. PIP is no-fault coverage. Your own auto insurance pays your medical expenses regardless of who caused the accident.

I was a passenger or a pedestrian. Can I use PIP?

In most cases, yes. Oregon PIP covers passengers in the insured vehicle and pedestrians struck by it, as well as the policyholder and family members living in the same household. The exact conditions depend on the circumstances of the accident.

How long after a car accident can I start chiropractic care?

It is best to get checked as soon as possible, because some injuries take days to show symptoms. Oregon PIP covers medical expenses incurred within two years after the injury.

What happens when my PIP benefits run out?

Other coverage may apply, such as the at-fault driver’s liability insurance, your uninsured or underinsured motorist coverage, your health insurance or a letter of protection through your attorney. Our team will help you understand the options.

Do you treat work injuries covered by workers’ compensation?

Yes. We work with workers’ compensation claims for injuries that happened on the job. Under Oregon law, a chiropractor can act as your attending physician on a workers’ compensation claim for up to 60 days or 18 visits from the first visit, whichever comes first (ORS 656.005).

Can I get treatment if I have a personal injury attorney?

Yes. We work with personal injury attorneys and can provide treatment under a letter of protection (LOP), so the bill is paid from your settlement.

Do you accept health insurance?

Yes, we work with health insurance. Chiropractic benefits depend on your plan, so call us and we will help you check what your plan covers.

Do I need a referral to see a chiropractor?

You can call us or book online directly. During the initial consultation, the chiropractor examines you and, if needed, refers you for an X-ray or MRI.

Hurt in a car accident or at work?

Call us or book online. Our team will help you with your insurance and get you started with care at a clinic near you in Portland, Keizer, Sherwood or Hillsboro.

This page is for general information and is not legal advice. Coverage and benefits depend on your insurance policy and the circumstances of your injury. Last updated: October 2026.