Oregon Auto insurance PART 1: Consequences of an uninsured auto accident in Oregon
- Don't drive without insurance, even if your a good driver:
If you get into an accident and don't have insurance, and the accident wasn't your fault, an attorney would have a very hard time representing you to help you recover for your damages because Oregon law prevents uninsured driver's from recovering pain and suffering damages. (There is an exception if you were insured and the insurance has just recently lapsed.) Without the extra funds that come from the pain and suffering portion of your damages, there is little an attorney can do to help you collect the money needed to fully compensate you for your medical bills, lost wages and car damages because there is no extra money from which the attorney can get paid to do this work. Also, you won't get any money for the suffering you went through. So bottom line, don't drive without insurance because even if you avoid causing any accidents, you could still be in big trouble if someone hits you and you are the one that needs help getting your damages paid.
Also, whether or not you the accident was your fault, under Oregon Law you will be subject to having your driver's license suspended for one year. You may be able to qualify for a special work driving permit before your one year suspension is over, but you will have to show proof of insurance to get that permit.