It’s one of the hardest calls we make to a client: the driver who hurt you carried the bare minimum, and your medical bills already passed it. It’s frustrating, but it rarely means the end of your claim.
Why This Happens So Often
Oregon requires drivers to carry only modest liability limits: $25,000 per person and $50,000 per accident for bodily injury (Oregon Revised Statutes 806.070, Oregon State Legislature, oregonlegislature.gov). A single surgery and a short hospital stay can exceed that quickly.
Other places compensation may come from:
- Your own underinsured motorist (UIM) coverage, which fills the gap between the at-fault driver’s limits and your losses
- Uninsured motorist coverage, if the driver had no insurance or fled the scene
- Your PIP benefits, which pay medical costs regardless of fault
- A second at-fault party, such as an employer, bar, or vehicle owner
- The driver’s personal assets, in rare cases involving serious misconduct
What We Do Next
Finding every available dollar takes digging, and insurers won’t do it for you. We’ll help:
- Track down all applicable policies, including ones you may not realize you have
- Stack coverage across multiple vehicles on your household policy when allowed
- Handle the notice and consent rules your own insurer requires before you settle
- Negotiate liens down so a limited recovery goes further
Let’s Find Every Available Dollar
If you were hurt by an uninsured or underinsured driver, a drunk driver, or in any car or motorcycle crash, contact Youd Law for a free case review. No recovery, no fee.