Your Oregon auto insurance policy includes personal injury protection (PIP) coverage to pay medical bills regardless of who was at fault in an accident. However, there are limitations to your PIP coverage, such as time and expense caps.
If you have comprehensive and/or collision coverage on your vehicle, your insurance company will fix your vehicle, no matter who caused the accident. If your insurance company repairs your vehicle, you will be responsible for paying the deductible. However, if the accident was not your fault, the other insurance company should reimburse your deductible. If the accident was not your fault, you can have the other driver’s insurance company pay to repair your vehicle.
Even if you have “full coverage,” your insurance company may not cover rental car charges. Check with your insurance company before you rent a car. If the accident was not your fault, the other driver’s insurance company should pay for the rental car directly to the rental agency. In general, be careful when renting a vehicle because insurance will only pay for the cost of the rental with no additional charges. If you sign up for additional insurance or personal coverage, this is not usually covered.
Oregon auto insurance policy includes personal injury protection (PIP) to cover medical expenses and missed time from work. However, PIP coverage is subject to limitations that we can explain in detail. If the accident was caused by your mistake and your vehicle needs repair, your insurance will only help if you have comprehensive or collision coverage. If you only have liability coverage, and the accident was due to your mistake, your vehicle will likely not be repaired.
Oregon auto insurance policy includes personal injury protection (PIP) to cover your medical expenses and time lost from work. If the accident was not your fault, your insurance company will seek reimbursement from the other driver’s insurance company.
Personal injury protection (PIP) provides automatic medical and wage loss coverage for Oregon insurance policyholders. Even if you only have liability coverage, your insurance policy will cover “reasonable and necessary” medical expenses and a percentage of lost wages. PIP coverage is subject to certain time and dollar limitations.
If you were injured on the job, notify your employer. A workers’ compensation insurance company may become involved. If you were injured in an auto accident while on the job, you may have a claim for compensation separate from your workers’ compensation benefits.
Your Oregon auto insurance policy will partially reimburse missed work through personal injury protection coverage (PIP). This coverage is subject to certain limitations that we can explain in detail.
Your Oregon auto insurance policy includes “uninsured motorist’s coverage” so that you can still seek compensation if the accident was not your fault. Also, your Oregon personal injury protection coverage (PIP) will pay your medical expenses and reimburse some lost wages.
Your Oregon auto insurance policy includes “uninsured motorist’s coverage,” which can be applied to a hit and run accident.
Oregon law does allow the recovery of some damages if the accident was not your fault and you do not have insurance. However, the kinds of losses you can recover depend on your particular case. We can explain this in detail.
Oregon law regarding the rights of pedestrians in traffic situations is complex. You should consult an attorney regarding your particular case. If you are injured as a pedestrian, you always have the right to personal injury protection coverage (PIP) regardless of fault. If you have an Oregon auto insurance policy and you are a pedestrian injured in an accident, your policy will cover your medical bills and lost income subject to various limitations. If you don’t have auto insurance, the insurance for the vehicle that injured you will provide PIP coverage for medical bills and lost income, subject to limitations.
The Willamette Pedestrian Alliance provides a guide to pedestrian rights:
The Oregon Department of Transportation provides a guide to specific Oregon bicycle and pedestrian statutes.
In 2007, the Oregon Legislature passed House Bill 3314 which establishes penalties for careless driving if it contributes to serious physical injury or death to a “vulnerable user of a public way.”
The Bicycle Transportation Alliance provides a comprehensive guide to bicyclist rights:
The Oregon Department of Transportation provides a guide to specific Oregon bicycle and pedestrian statutes:
We are often able to recover losses from the animal owner’s homeowners insurance policy, renters insurance policy, or if appropriate, from the owner directly. In some circumstances, there may be legal grounds to recover losses from a landlord who failed to rid his property of a known dangerous animal after receiving prior notice of the danger.
During your recovery, we manage the process of submitting claims and insurance paperwork to ensure your medical care is properly covered. Once you have completed medical treatment, we pursue compensation if and when it is appropriate to do so. If we can recover compensation for you without going to court, the process typically takes two to three months from the time you are medically stationary or recovered. However, extensive cases with significant injuries can take months on up to a couple years. After our initial consultation, we provide you with a realistic estimate of how long your case will typically take.
We resolve the majority of our cases before trial through skilled negotiation. Attorney Steve Milla ensures our clients thoroughly understand their settlement arrangements and options. If our clients do not approve of an insurance company’s offer, we file a lawsuit and head to trial. Very few cases proceed to trial. However, if a trial is necessary because an insurance company refuses a reasonable settlement, we educate and prepare our clients about the entire trial process before moving forward.
The value of each case depends on the circumstances surrounding the accident or injury. Your claim will depend on the level and extent of injuries, medical treatment received, the amount of lost wages or lost earning potential, and the amount of pain and suffering involved. Once we learn the particulars of your case, and review your medical and employment records, we provide clients with a realistic estimate of what we think your case is worth.
If we cannot help you with your case, we can refer you to a skilled attorney at no charge. We provide referrals in the legal areas of workers’ compensation and work-place injuries; social security claims; family law; employment matters such as wrongful discharge and/or discrimination; and serious criminal cases. Call or for a referral.
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