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Car Accident with No Insurance in Oregon

Every once in a while, a bad situation takes a turn for the once. In this case, we’re referring to being in a car accident where you or the other driver doesn’t have car insurance! Here’s what you need to know if you’re involved in an accident and either you or the other driver don’t have insurance coverage.

Oregon No Insurance Car Accident

Oregon is a “Fault” Car Accident State

Like most states, Oregon is a “fault” car accident state.

This means that whoever is found to have caused the accident is responsible for any harm that results, including medically or replacement or repair of the vehicle.

Oftentimes this is why drivers are required to carry insurance. The insurance policy that the driver carries will carry most of these losses up to the policy limit.

As you can imagine, not having insurance makes the financial responsibility scary and oftentimes life-altering for both parties. Oftentimes, your wages can be garnished and other options to collect money from you that you simply may not have.

Penalties for Driving Without Insurance

If you get caught without insurance in Oregon, you’ll be in quite a bit of trouble.

Common penalties are fines that can range to thousands of dollars, having your license suspended or even having your vehicle towed. All of these depend on the circumstances of the accident.

Convictions result in having to file proof of insurance with the DMV for three years.  In addition, you can lose drive privileges for a year if you’re found to have caused an accident while not having auto insurance!

No Pay, No Play Rule

Oregon is also a state with a “no pay, no play” rule.

This rule means that if you do not have auto insurance at the time of an accident if you’re struck by another motorist, you are limited in what you can recover.

This is because if you don’t yourself have auto insurance that could compensate another person in case of an accident, then why should you be able to claim full benefits? In other words, you must pay into the system to play. This rule means that you cant collect “non-economic” damages like pain and suffering. However, the basics like medical bills will be covered.

This is why it’s important to always have auto insurance coverage, even if you’re the safest driver in the world! You can never be too careful in this instance.

In addition, many insurance coverage plans allow you to attach Uninsured Motorist coverage. This means if you are struck by someone who is uninsured, you have additional insurance coverage to see to all your damages up to the limit.

Oregon Accident Automobile

What Happens if You Cause an Accident Driving Without  Insurance

If you cause an accident driving without insurance, it’s important to retain a lawyer as quickly as possible.

This is because the person who was struck can sue you for all damages they suffered- including medical bills, lost wages, damage to their car, and physical and mental pain and suffering.

You will be personally responsible for this amount if the other driver obtains a judgment against you.

On the other hand, if you’ve been struck by an uninsured driver, you’ll want to retain a personal injury lawyer.

The personal injury lawyer can review the facts of the case, collect information and support for the damages you’ve suffered and build a case against the other driver.

Because suing may be the only way to claim damages from an uninsured driver, it’s important to get a quality personal injury lawyer on your side who can help you get the damages you are entitled to.

No Car Insurance Oregon Accident

What to Do if You’ve Been Struck By an Uninsured Motorist in Oregon

If you’ve been involved in an accident, the first step is to call the police and exchange insurance information with the other driver.

As with any accident, but especially when dealing with an uninsured driver, you’ll want to collect hard copies of as many facts of the accident and subsequent damages as possible. Medical bills, visits with therapists, counselors, physical therapists, and other service providers, lost wages from work and any evidentiary support that can be used to collect damages.

Finally, you’ll want to retain a personal injury lawyer to review the case and assess what you’re entitled to. If the other driver does not seek a settlement out of court, chances are the case could go to trial. If this happens, you’ll want an attorney on your side to fight for justice in the court of law.

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