Oregon Injury Law Blog
Tag: Liability
What is Oregon underinsured motorist (“UIM”) coverage?
In short, UIM insurance is a means of utilizing your own (UM uninsured) policy when another driver has insurance, but it’s not enough to cover your injuries. With UIM insurance coverage, if available, you would get coverage equal to the difference between the policy limits on your UM policy and the policy limits carried by the insurance policy of a negligent driver who caused an injury (the at-fault driver) in a car accident, motorcycle accident, or bicycle accident.
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What is Oregon uninsured insurance?
In Oregon, every policy carried by a driver is required to carry Uninsured Motorist (or "UM") coverageBy law, the minimum amount of coverage under an Oregon UM policy is $25,000. With uninsured motorist coverage, a person can recover economic damages and noneconomic damages just like they would receive from the negligent driver, all the way up to the limits of an uninsured motorist policy.
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What is an Oregon Wrongful Death Lawsuit?
A "wrongful death” lawsuit primarily occurs when an accident causes the death of another person because of negligence. Under Oregon law, ORS 30.020 defines "wrongful death" as a ”death caused by the wrongful act or omission of another." This usually is because of the reckless, negligent, or intentional act of someone else. Mainly, if it weren’t for the actions of another person, the deceased would still be alive.
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How much is my Oregon Personal Injury case worth?
Valuing any personal injury case requires consideration of many factors, and Personal Injury cases are no exception. The first determination in valuing a Personal Injury is determining fault. Who is at fault for the accident? Sometimes the answer is not entirely clear. Even though you may share fault (comparative negligence), you still may be entitled to compensation.
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What Is Oregon Personal Injury Protection (PIP)?
Your liability coverage may include Personal Injury Protection ("PIP") or Medical Payments ("Med Pay") benefits. PIP provides a source of payment for YOUR medical bills and some of YOUR wage loss following an auto accident. Further, PIP is no-fault, meaning that it will begin paying on your injuries immediately, rather than waiting for liability to be determined. Similarly, Med Pay provides some coverage for YOUR medical bills. These are called "no-fault" coverages because they pay even if the accident is your fault.
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What is an Oregon Letter of Protection?
During the time of treatment, insurance may or may not be paying the bills, but medical providers still need to get paid. To protect their interests, these medical providers may request a “Letter of Protection” from the personal injury lawyer to ensure that their bills get paid at the time of settlement.
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