I have represented many people over the years who have suffered serious injuries in an Oregon or Washington auto collision. Because medical care is expensive, it is important to recover enough money so that our client can get the medical care that they need to move forward. However, the lack of proper insurance coverage often times prevents our client from obtaining adequate compensation.
I recently researched the number of uninsured drivers involved in auto collisions in Oregon. The Oregon Department of Transportation estimated that 25% of all reported accidents involve an uninsured motorist. If any of these collisions involved an injury caused by an uninsured motorist, then the injured Oregon motorist must rely upon their own insurance company to obtain adequate compensation for their injuries.
However, Oregon allows people to carry minimum insurance coverage, which is currently set at $25,000.00. This has not changed in decades. The problem is that someone injured by an uninsured or underinsured motorist is limited to the amount of coverage they have on their own policy for adequate compensation.
All too often, I have had to explain to my client that there is not enough insurance coverage to compensate them for their medical needs, let alone compensation for the loss of their health.
I encourage you to check with your insurance company or insurance agent to make sure that you have sufficient uninsured and underinsured motorist coverage. If you have a question about your policy, give us a call at 503-325-8600. We answer questions like this all the time, and can help you decide whether you have enough insurance coverage, regardless of whether you been injured in a collison.