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At the Law Offices of Jon Friedman, our car accident attorneys know that driving without liability coverage in Oregon is illegal.

The minimum insurance a driver must have is:

  • Bodily injury and property damage liability:
    • $25,000 per person.
    • $50,000 per crash for bodily injury to others.
    • $20,000 per crash for damage to others’ property.
  • Personal injury protection:
    • $15,000 per person.
  • Uninsured motorist:
    • $25,000 per person.
    • $50,000 per crash for bodily injury.

We have discussed how uninsured motorist coverage can protect you from hit-and-run accidents or even those where the driver stays behind but has no coverage.

In addition to mandatory uninsured motorist (UM) coverage, there is another provision included in Oregon motorists’ policies called underinsured motorist (UIM) coverage.

Here is why that is important.

Oregon Portland View

Underinsured Motorist Coverage Protects You From Drivers Who Do Not Have Enough Insurance Coverage

Under UIM coverage, you may have the opportunity to seek additional compensation if the at-fault insurance carrier’s policy limits did not adequate compensate you for injuries sustained in a car wreck.

Although a UIM claim is brought against your own car insurer, your insurance provider will not simply write a blank check. Instead, you must file a claim with your insurance company that includes the supporting evidence and documentation that reinforces your financial recovery needs before they will review it. Even then, you should not assume that they won’t fight back since it is your insurance provider. They will. Insurance companies are never interested in parting with money, even when their policyholders are entitled to it. We can help.

Contact Our Car Accident Attorneys at the Law Offices of Jon Friedman

If you have been injured in an accident with a negligent, underinsured motorist in Oregon, contact our Multnomah County car accident attorneys at the Law Offices of Jon Friedman at (503) 242-1440 or online today to schedule a free consultation and get the help you need to make informed decisions about the direction of your case.

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