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Lance D. Youd



Uninsured & Underinsured Motorists

Unfortunate accidents happen, and when they involve an uninsured or underinsured motorist, the aftermath can be particularly challenging. As an experienced Uninsured Motorist Accident Attorney, Lance Youd specializes in navigating the complexities of these cases to ensure you receive the compensation you deserve

Uninsured Motorist:

“Uninsured” refers to a situation where an individual motorist doesn’t have any insurance coverage to financially protect themselves or others in the event of an accident. In the context of auto insurance, being uninsured means lacking the necessary coverage to compensate for damages or injuries caused by the uninsured party.

Underinsured Motorist:

“Underinsured” refers to a scenario in which an individual motorist possesses insurance coverage, but the policy limits are insufficient to fully cover the damages or injuries resulting from an accident for which they are at fault.

Got Hit by Someone with No Insurance – What to Do

Discovering that the other driver in an accident you were involved in is uninsured can be distressing, but it’s essential to stay calm and follow these steps:

  • Document the Scene:
    • Collect as much information as possible, including the other driver’s details, the accident location, and any witness information.
  • Contact Law Enforcement:
    • Report the accident to the police and ensure an official record is created.
  • Seek Medical Attention:
    • Even if your injuries seem minor, it’s crucial to seek medical attention promptly. Some injuries may manifest later, and a medical record is valuable for your case.
  • Contact Your Insurance Company:
    • Inform your insurance company about the accident, providing all necessary details.

Filing an Underinsured or Uninsured Driver Accident Claim

Filing a claim for an uninsured or underinsured motorist accident involves taking the steps listed above, and a couple more items:

  • Notify Your Insurer:
    • Inform your insurance company about the accident promptly.
  • Provide Documentation:
    • Submit all relevant documentation, including the police report, medical records, and any evidence supporting your claim.
  • Cooperate with Investigations:
    • Work closely with your insurance company’s investigators, providing any additional information they may need.
  • Evaluate Settlement Offers:
    • Review any settlement offers carefully with the guidance of your attorney. Ensure it adequately covers your damages.

Seek Legal Counsel:

  • Getting help from an expert like Lance Youd will increase your chances of getting a fair settlement and having, at least, your medical expenses paid for. 

Contact Youd Law

At Youd Law, we understand the stress and uncertainty that follows an accident with an uninsured or underinsured motorist. There is often a way to get compensation even when a driver is uninsured. Our experienced team is dedicated to helping you navigate the legal complexities and secure the compensation you deserve.

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Q: What to do if hit by someone with no insurance?

A: If you’ve been hit by an uninsured motorist, follow the steps outlined above, and promptly notify your insurance company. Our team at Youd Law can guide you through the process of filing a claim and seeking compensation.

Q: How can I get medical coverage if the at-fault driver is uninsured?

According to the Oregon State Bar: “If you are injured in an accident through the fault of an uninsured driver, whether you were driving or were a pedestrian, your own insurance will provide coverage up to the limits of your UM policy. In essence, it provides substitute coverage when the at-fault driver does not have any insurance.”

Q: How can Youd Law help when you’re hit by an uninsured motorist?

A: Youd Law specializes in representing clients involved in accidents with uninsured or underinsured motorists. We work tirelessly to build a strong case, negotiate with insurance companies, and pursue the compensation you need to recover from the damages sustained in the accident.

Q: If the other driver is uninsured, does it affect my insurance premium?

A: Generally, filing a claim under your uninsured motorist coverage should not directly impact your premium, as it is considered a no-fault claim. However, it’s advisable to check with your insurance provider for specific details.

Q: What if I don’t have uninsured motorist coverage?

A: If you do not have uninsured motorist coverage, seeking compensation can become more challenging. Consulting with an attorney can help explore alternative legal options.

Q: Is underinsured motorist coverage mandatory, and how does it differ from uninsured motorist coverage?

A: Underinsured motorist coverage is not always mandatory, depending on your location. It differs from uninsured motorist coverage in that it comes into play when the at-fault driver’s insurance is insufficient, rather than nonexistent. Check local insurance requirements and consult your policy for details.

Uninsured Motorist Attorney Near Me

Looking for an uninsured motorist attorney near you? We’ve got you covered! If you’ve been involved in an accident that was the fault of an uninsured motorist, there are ways to get the compensation you need and deserve. Youd Law specializes in cases that involve uninsured drivers and has helped hundreds of victims get the redress and recompense they deserve. Don’t try to navigate this harrowing process alone–contact Youd Law today!

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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.


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.


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Lance D. Youd, Attorney at Law proudly serves clients in Salem, Portland,and all surrounding areas in the greater Willamette Valley, OR.


1596 Liberty St SE Salem, OR 97302
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17036 Canal Circle Lake Oswego, OR 97035
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Lance D. Youd in office
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