Uninsured and underinsured motorist cases are commonly handled in this office. Part of the reason why is that when you’re hit by another person, if they don’t have insurance, you’re reliant upon a part of your own insurance policy called uninsured motorist coverage. Because approximately one seventh of all Oregon drivers are uninsured, it is important that you have your own insurance coverage to cover losses to you and your family.
Similarly, a large number of people have minimal insurance, and in the event that you are hit you will not have sufficient coverage from the other person to handle all of the extensive losses that you have sustained. As a result, we turn to what’s called underinsured motorist coverage for your claim.
In our office approximately 80% of cases end up being uninsured or underinsured motorist cases, because they are catastrophic in nature. This means that we end up turning to our own client’s insurance under a provision that many people don’t even know exists, and that is the underinsured motorists provisions. That will cover you up to the extent of the insurance coverage you have under your own policy for that loss. So, if you get hit by somebody with no insurance or a small, $25,000 insurance policy and yet you have hundreds of thousands of dollars in medical bills, we look to your own insurance company to be able to provide additional coverage under your own insurance policy for your own losses.