Oregon Underinsured Motorist Coverage

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.

Ryan is a member of the Oregon State Bar, the Washington State Bar, and the Oregon Trial Lawyers Association.

Ryan was named a “Rising Star” by Super Lawyers Magazine for six years in a row, a selection for the top attorneys under 40 years old. During those years, he was also listed as one of Oregon's Outstanding Young Lawyers by Portland Monthly Magazine and the American Registry.


Learn More About Ryan

Featured Services

Personal Injury
We take the stress out of personal injury cases so you can focus on getting better. Call today for a free consultation.

Car Accidents
We specialize in auto accident cases. We are skilled at negotiating with insurance companies to get you the compensation you deserve.

Pedestrian Accidents
If you were injured as a result of a careless driver while you were a pedestrian, you may have a claim against the driver. Read more about our practice areas.
My name is Linda and my son in law recommended Ryan Hilts. I did not think I needed a lawyer. My son in law said "If you don't win you don't pay". That made a lot of sense to me. After calling Ryan I realized how comforting it is to have a lawyer. I was in a car accident. The driver was drunk and hit me and took off. A hit and run accident. Ryan told me by Oregon Law I was able to go to the doctors. I was able to get the much needed help. My Chiropractor was amazing. It took time to heal. Ryan was always available and always called me back, when I had any questions. He is a wonderful family man. A man of integrity. He also sent emails and texts to wish our family well on all the Holidays. He went above and beyond what was expected. My case was won without a doubt. I would definitely go back to Ryan for any lawyer needs. He is a good man and you can trust him. Thank you Ryan for everything, words are not enough to express all you did for us.

G. & L. S.

I was recommended to Mr. Hilts by a friend when I had my car accident. I was very impressed with his knowledge and the way he guided me through the process. I appreciated that he always returned my calls and kept me informed about the progress of my case.

K.J.

I could never say enough good things about Ryan. He was always there to take my calls and answer all of my questions. I really felt like he was working for me; like I was his top priority.

J.H.

Ryan is a terrific lawyer and a better person. He went above and beyond to reach a settlement in my case and believed in it when no one else did. He’s very intelligent and caring and is always putting the best interests of his clients before his own. Ryan knew more about my case than I even did. He is truly dedicated to his clients, and I can not explain how much I honestly appreciated that. I recommend that you give him a shot if you need to hire an attorney. He won’t let you down.

S.S.

It was our good fortune to have Ryan Hilts as our attorney. Ryan helped our children avoid a lawsuit and get a successful settlement. He taught us so much. He represented our family with integrity.

B.D.