Being in a car accident is stressful enough, but learning the other driver is uninsured adds an entirely new layer of worry. Fortunately, Oregon law provides certain protections for drivers who find themselves in this exact situation. At Dawson Law Group, we’ve helped countless clients pursue fair compensation even when the at-fault driver lacks insurance coverage.
Understanding Oregon’s Insurance Requirements
In Oregon, all drivers are legally required to carry minimum levels of auto insurance, including liability coverage and uninsured motorist (UM) coverage. However, not everyone follows the law. If you’re hit by an uninsured driver, your UM coverage (part of your own insurance policy) steps in to help cover costs related to medical bills, lost income, and other damages.
What Uninsured Motorist Coverage Typically Covers
- Medical expenses for you and your passengers
- Lost wages if you’re unable to work
- Pain and suffering damages
- Funeral costs in the case of a fatal accident
It’s important to note that UM coverage does not automatically apply to property damage in Oregon, unless you’ve purchased additional coverage or unless the other driver can be identified and held accountable in court.
Can You Sue the Uninsured Driver?
Yes, but recovering money can be difficult. Many uninsured drivers lack the personal assets to pay a court judgment. Even if you win the case, it might be hard to collect compensation. That’s why pursuing a claim through your own insurer using UM coverage is often the most practical option.
Our case results demonstrate how we’ve helped clients file successful UM claims and avoid the pitfalls of going it alone. We’ll negotiate with your insurer, gather evidence, and ensure your rights are protected throughout the process.
What to Do After an Accident With an Uninsured Driver
- Call the police and get a copy of the accident report
- Take photos of the damage and gather witness statements
- Seek immediate medical attention, even if injuries are minor
- Notify your insurance company about the crash
- Contact an experienced attorney to guide your next steps
Special Situations: Hit-and-Runs
In Oregon, hit-and-run accidents are treated similarly to uninsured motorist incidents. If the driver flees and cannot be identified, your UM coverage can still apply. However, it’s critical to report the crash promptly and cooperate fully with the police and your insurer.
Know Your Rights
If you’re unsure what your uninsured motorist policy covers, now is the time to find out. Many people don’t realize the full scope of their coverage until it’s too late. Oregon drivers can explore more detailed legal information from the Oregon State Bar.
Let Dawson Law Group Help
Our attorneys have decades of experience handling complex car accident cases, including those involving uninsured or underinsured drivers. We know the tactics insurance companies use to deny or minimize UM claims—and how to fight back. With offices in Portland, we’re local, responsive, and ready to advocate for you.
About the Lawyers: Bryan Dawson and Ben Larson of Dawson Law Group have a proven record of helping Oregon accident victims recover compensation—even in challenging uninsured driver cases. Learn more about their background here.