Lake Oswego Uninsured Accident Attorney | Lance D. Youd Attorney at Law

Facing an Accident with an Uninsured Driver? We’re Here to Help.

In Oregon, the law mandates that all motorists must have liability insurance. But what if the driver responsible for your accident doesn’t have insurance or doesn’t have enough? It’s a daunting scenario that many face, especially with the rising cost of living making it difficult for some to maintain their insurance premiums. Thankfully, there’s a safety net: uninsured/underinsured motorist coverage that you can and should add to your insurance policy. At Youd Law Firm in Lake Oswego, we specialize in navigating these complex cases and ensuring that you’re not left to bear the financial burden alone. If you’ve been hit by an uninsured or underinsured driver, let’s discuss how to secure the compensation you deserve.

Oregon’s Insurance Requirements

Oregon law requires motorists to carry minimum insurance to legally register and drive their vehicles. Here’s a breakdown of the required coverage as of 2023:

Bodily Injury Liability: $25,000 per person, up to $50,000 per accident. This helps cover medical expenses and pain and suffering if you’re at fault.
Property Damage Liability: $20,000 coverage for damage to another person’s property.
Personal Injury Protection (PIP): $15,000 for your own medical expenses after an accident, regardless of who was at fault.
Uninsured Motorist Coverage: $25,000 per person, up to $50,000 per accident. This is crucial if an uninsured driver hits you.

While these are the minimums, we recommend considering higher coverage to protect against severe injuries and associated costs.

The Reality of Uninsured Motorists in Oregon

Approximately 11% of Oregon drivers are uninsured, a statistic that increases when considering out-of-state drivers from places like California, where the uninsured rate is over 16%. The risk of an uninsured driver causing an accident is not negligible. Your PIP coverage might cover initial costs, but what if it’s not enough?

Maximizing Your Coverage

Underinsured motorist coverage steps in when someone with minimal liability insurance causes you substantial harm. For instance, if your injuries cost more than the other driver’s $25,000 coverage limit, and your underinsured motorist coverage is higher, you can claim the difference. Suppose you have a $100,000 limit; you could potentially claim up to $75,000 to cover your injuries.

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Why Choose a Lake Oswego Attorney for Uninsured/Underinsured Cases?

Navigating the claims process with insurance companies can be grueling and complex. It requires thorough documentation, adept negotiation, and an aggressive approach to securing your due compensation. Lance Youd, with his profound expertise and commitment to justice, ensures that every legal avenue is explored to benefit your case. Our firm not only helps in claim processing but also in litigating against uncooperative insurers and at-fault parties. We will relentlessly pursue the best outcome for you and the maximum compensation possible.

Comprehensive Compensation for Your Losses

Victims of uninsured or underinsured drivers are still entitled to full compensation for both economic and non-economic losses, which include:

Emergency services and ambulance fees
Diagnostics and surgeries
Ongoing rehabilitation and medications
Lost wages and potential future earnings
Vehicle repair or replacement
Compensation for pain, suffering, and any permanent disfigurement

If your insurer is fighting your claim and the other driver was at fault, contact underinsured accident lawyer, Lance D. Youd. We can review the facts thoroughly and advocate for a better resolution.

Addressing Uncompensated Losses After Exhausting Insurance

When catastrophic injuries such as brain trauma or spinal cord damage occur, the resulting medical bills and rehabilitation costs can quickly escalate beyond the limits of typical insurance coverage. If you find yourself in an uninsured car accident, facing a gap between your compensation and your actual expenses, it’s crucial to explore every legal avenue available.

Strategic Legal Actions with Attorney Lance Youd:

Exploring Additional Defendants: Sometimes, liability extends beyond the obvious parties. For instance, if a mechanic’s substandard repairs contributed to the accident, they might also be held accountable. Identifying additional defendants can be key to securing the full compensation you deserve.
Employer Liability: If the at-fault driver was on the job during the accident, their employer might be legally responsible. In Oregon, employers generally carry liability for accidents involving their employees while on duty. Pursuing this avenue can significantly increase the resources available for your recovery.
Bad Faith Insurance Claims: Insurers are obligated to handle claims with fairness and speed. If your insurance provider is unreasonably delaying payment or has denied a legitimate claim, a bad faith insurance claim can provide the due compensation.
Direct Legal Action Against the At-Fault Driver: When other routes are exhausted, it may be necessary to sue the at-fault driver directly. While this can be challenging, especially in collecting the awarded sums, it ensures that all possibilities for compensation are thoroughly pursued.

Choose Lance D. Youd, Attorney | Lake Oswego Oregon

Our Lake Oswego law firm takes a unique approach to client care. Our compassionate and personalized relationships with our clients make us genuinely invested in the best possible outcomes. We understand how devastating an accident can be. Your medical and emotional needs must be met, regardless of whether the at-fault party had adequate insurance. We will search every avenue for the compensation you need to properly recover. We can help:

Collect evidence of the accident, including eyewitness testimony or surveillance video from nearby businesses.

Analyze the evidence to determine fault for the crash, including whether you contributed to the accident.
Coordinate with insurance companies and answer their questions.
Allow you to focus on your well-being, including rehabilitation and rest.
Devise a strategy for obtaining the maximum compensation for your injuries, which might include adding defendants.
Sue a defendant in court for causing your car accident.

Don’t Settle for Less—Fight for Full Compensation

Navigating the complexities of insurance and liability requires a skilled legal strategist. Attorney Lance Youd is dedicated to ensuring that no stone is left unturned in the quest for your rightful compensation. If you’re grappling with uncompensated losses, contact Youd Law, underinsured accident attorney today to discuss how we can help close that gap and support your journey to recovery.

Lake Oswego Uninsured Or Underinsured Collision Attorney

Don’t let an uninsured or underinsured driver disrupt your life without facing financial responsibility. Our team at Youd Law is ready to advocate fiercely on your behalf. For a detailed case review and to begin the claim process, reach out to us today at (503) 694-4449. Ensure your rights and recovery are in expert hands with a trusted Lake Oswego law firm.day, at (503) 399-8967.

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Our clients say it best

At Youd Law, we pride ourselves in offering unmatched service. Lance and his staff are responsive and respectful, providing efficient, expert assistance in a kind and courteous manner.

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We cannot thank you enough for your generous intervention for our dear friends. It shows how God used you to answer prayer!

K H Family Family Law 2019

I wouldn’t want to go up against you Lance. Thanks to you and your team for your hard work.

KW July 2019

It’s been a long battle and I want you to know I appreciate all you have done.

RD July 2019

God answers…..One of our dear friends reached out to a lawyer she knows for me. What a great man! He contacted me and spent over a half an hour on the phone answering my questions.

D & D FAMILY LAW 2019

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