What to Do After an Accident with an Uninsured Driver in Oregon

Understanding Uninsured Motorist Accidents in Oregon

Oregon sees an alarming average of 130 motor vehicle accidents every day, as reported by the Oregon Department of Transportation. Unfortunately, despite state mandates requiring all drivers to carry valid insurance under ORS Chapter 806 (opens in a new tab), many motorists still get behind the wheel without coverage.

At Pacific Injury Law Firm, we understand the challenges faced by victims of uninsured motorist accidents. If you find yourself in this unfortunate situation, it's crucial to know your rights and options.

Will My Insurance Cover the Damage?

If you’ve been injured in an accident involving an uninsured driver, you likely have concerns about how your medical bills and damages will be covered. Fortunately, Oregon law requires that all private passenger vehicles include Uninsured Motorist (UM) coverage. As long as you have your own insurance policy or are in a vehicle covered by a valid Oregon insurance policy, you can file a claim under the UM provisions of your insurance.

What Does Uninsured Motorist Coverage Cover?

Your UM coverage can help you recover:

• Vehicle Repairs: Funds to fix or replace your damaged vehicle.
• Medical Expenses: Payment for your medical bills resulting from the accident.
• Lost Wages: Compensation for income lost due to your injuries.
• Pain and Suffering: Damages for the physical and emotional distress caused by the accident.

In essence, your UM insurance acts as a safety net, providing coverage that the uninsured driver should have had.

Steps to Take After an Accident with an Uninsured Driver

If you are involved in an accident with an uninsured driver, it’s essential to follow these steps:

1. Call the Police: Ensure that law enforcement is notified to document the incident.
2. Exchange Information: Collect contact and insurance details from all parties involved.
3. Seek Medical Attention: Prioritize your health and safety by obtaining medical care for yourself and others.
4. Consult an Attorney: Speak with a personal injury attorney to understand your options and protect your rights.

Protecting Yourself During the Claims Process

When dealing with your insurance company, it is advisable to let your attorney handle communications. This can help you avoid pitfalls that may arise, especially when you might have to pay out-of-pocket expenses for your medical care due to the other party's lack of insurance.

Experience You Can Trust

At Pacific Injury Law Firm, we have over 45 years of experience helping Oregonians navigate the complexities of personal injury claims, including those involving uninsured drivers. We are dedicated to ensuring that our clients receive the compensation they deserve after an accident.

If you’ve been injured by an uninsured driver or involved in a hit-and-run, don’t hesitate to contact us for a free consultation. Our compassionate and knowledgeable attorneys are here to answer your questions and guide you through the legal process.

Call us at 971-277-3811 (opens in a new tab) today to learn how we can help you recover from your injuries and get back on your feet.