Do You Know what is Covered in Your Insurance Policy?
- Monday, 10 March 2014 16:08
If you are injured in an auto accident, it is imperative for you to understand what is covered in your insurance policy. Many drivers do not know if they have coverage for uninsured or underinsured motorists. The accident attorneys at Berkshire Ginsberg will help you understand your rights and ensure you receive the damages you are owed.
Questions we are often asked include:
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- What does an auto insurance policy cover if an accident occurs? If you incur an injury in an accident in Portland, your insurance or the other driver’s insurance should cover all medical bills, lost wages and other damages, dependent upon who is shown to be at fault.
- How do you recover damages if the at-fault driver is uninsured? Unfortunately, many Oregon drivers are not insured. State law requires drivers to have a minimum of $25,000 in uninsured motorist’s coverage. If you suffer an injury in an accident and the at-fault driver does not have insurance, you will file a claim with your own insurance for the damages.
- What can you do if the at-fault driver doesn’t have enough insurance coverage? Even with laws in place that requires motorists to have a minimum amount of insurance coverage, there is no guarantee the at-fault driver in your accident will have the necessary coverage to pay for all the damages you suffer. While it would make sense for you to collect on the at-fault driver’s policy and then collect the rest from your underinsured coverage, currently, the law does not allow you to receive damages from both. These laws are under fire, and may change in the near future.
If you have suffered a severe or catastrophic personal injury in a car accident, it is imperative for you to enlist a reputable attorney to help you recover the damages you are owed. Before you agree to any settlement, contact
Berkshire Ginsberg, LLC to help you determine the total damages you are owed.