Usera & Snow, P. C.

Call For A Free Consultation 503-868-4822

Personalized Services For Injuries And Criminal Charges In Oregon
The attorneys of Usera & Snow, P. C.

Salem Attorneys For Uninsured And Underinsured Motorist Claims

Finding out the driver who caused your car accident has little to no insurance is deeply discouraging. At Usera & Snow, P.C., we understand, and we are here to show you that you have more options than you think. We are a boutique Salem personal injury law firm with attorneys who each have more than 15 years of experience. You get consistent attention from the same attorney from start to finish, not a stranger picking up your file.

Understanding Oregon’s Underinsured And Uninsured Motorist Coverage

Underinsured motorist coverage protects you when the at-fault driver’s available liability coverage does not fully compensate you for your losses. Uninsured motorist coverage shields you when the driver who caused the accident does not have automobile insurance, including hit-and-run situations where that driver is never identified. Both allow you to file a claim with your own insurer for compensation.

Oregon law requires every motor vehicle liability policy to include UM and UIM coverage. These must be offered at limits matching your liability coverage, with minimum liability limits of $50,000 per accident for bodily injury and $25,000 per person, plus $20,000 optionally for property damage. Policyholders may reject this coverage only in writing.

You may be able to stack UM/UIM coverage in certain situations by using multiple policies to combine limits, though insurers cannot enforce anti-stacking clauses to block combining multiple separate policies. Oregon courts interpret unclear policy language against the insurer, which may support stacking when terms are ambiguous.

How Oregon Drivers Can Recover When The At-Fault Driver Has No Insurance

You have more options after a motor vehicle accident than you may realize. Depending on your situation, your path to recovery may include:

  • Filing an uninsured motorist claim with your own insurer
  • Using PIP coverage for immediate medical costs
  • Filing a UIM claim when at-fault coverage falls short
  • Stacking UM/UIM limits across multiple policies
  • Pursuing a UM claim after a hit-and-run
  • Challenging bad faith denials or delays by your insurer

Handling a UM/UIM claim without an attorney can leave significant compensation on the table. Because Usera & Snow, P.C., also represents insurers in defense, we know exactly how they evaluate and challenge auto insurance claims. Our personal injury lawyers use that inside knowledge to push back hard and fight for everything you deserve.

Do Not Let The Insurance Company Decide What Your Case Is Worth

The driver who hurt you may not have had enough coverage to make you whole, but your recovery does not have to stop there. At Usera & Snow, P.C., we respond quickly because UM/UIM deadlines matter. Call our office at 503-868-4822 or reach out to us online to schedule your free consultation today.