When the other driver can't pay, Oregon's UM/UIM coverage is often your most important protection.
Why It's Required
Oregon also mandates uninsured/underinsured motorist (UM/UIM) coverage matching your liability limits unless you reject it in writing. This coverage steps in when the at-fault driver has no insurance, flees the scene, or carries limits too low to cover your injuries.
Underinsured Claims
If the at-fault driver's liability limit is lower than your damages, your UIM coverage can make up the difference up to your own policy limit. These claims are made against your own insurer but are still adversarial.
Deadlines and Pitfalls
UM/UIM claims have their own notice and timing requirements, and insurers scrutinize them closely. Notify your insurer promptly and avoid settling with the at-fault driver before understanding the effect on your UIM rights.
Have questions about your own situation? Get a free, confidential case review — you pay no fee unless you win. Call 973-566-5599.
This article is for general informational purposes only and is not legal advice. For guidance on your specific situation, consult a licensed Oregon attorney.