What to Do After a Crash With an Uninsured Driver in Oregon
What Should I Do First?
After a crash with an uninsured driver, you should first contact your own insurance company and report the accident. In Oregon, all drivers are required to have at least $15,000 in Personal Injury Protection and this is how you will pay your bills.
What is Personal Injury Protection?
Personal Injury Protection is a type of insurance coverage to help people who are hit by uninsured or underinsured drivers. PIP will pay up to $15,000 in damages, including medical bills and lost wages.
How do I Get PIP to Pay My Bills?
Call your insurance company and explain that the other driver was uninsured. They will probably verify this, but then you can start using your PIP when you visit medical providers, etc. You just need to tell the doctor's office that PIP is being billed and they should know how to take care of this.
What if $15,000 isn't enough?
If your PIP runs out, you also have UIM coverage to help pay bills. In Oregon, you are required to have at least $25,000 in uninsured motorist coverage (UIM) to help pay bills in these situations.
What if My Insurance Won't Pay?
Well, you might have to contact a personal injury attorney who have help you either file a claim against your own insurance company for UIM, or to file a claim against the personal assets of the person who hit you. Let's face it, though - if they cannot afford auto insurance, odds are that they do not have any assets valuable enough to be worth pursuing.
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