When the at-fault driver’s insurance policy is inadequate to compensate you for your injuries, you can make an Underinsured Motorist Claim (UIM Claim) against your own policy, as long as your policy limits are greater than the at-fault party’s limits. Oregon does not allow “stacking,” or adding your policy to the at-fault policy. Instead, you can make an additional claim for the difference between the third party’s limits and your own limits. For example, if the at-fault limits are $25,000 and your limits are $50,000, the total amount you can recover from the insurance policies is $50,000 ($25,000 from the at-fault insurance plus $25,000 from your UIM insurance.) We are experienced in handling UIM claims. Ryan Hilts is a personal injury lawyer in Portland and Lake Oswego area. For more information, contact Ryan today.