Underinsured / Uninsured (UIM, UM)
1) I was injured by an Oregon driver without auto insurance. Now what?
About 6% of all Oregon motorists are uninsured. Don’t worry though. If you have an Oregon auto policy, you have some coverage. Auto policies sold in Oregon provide at least $25k coverage ($25k is also the minimum limit for liability insurance in Oregon).
TIP: If hit by an uninsured driver, don’t confront the other driver. Call police.
TIP: When safe, call your own auto insurance company. Make an “Uninsured Motorist” (UM) claim and ask that an uninsured claims adjuster be assigned. Because the driver at fault has no auto insurance, the “UM” adjuster “plays the role” of the insurer for the driver at fault. If you were not the driver or owner of the vehicle involved, make the UIM claim with the insurer for your driver.
TIP: If the “at- fault” driver is uninsured, you still may sue the driver directly. Whether the fault driver has sufficient assets to pay the claim, is another matter. Consider hiring a private investigator to conduct an assets search so you know whether the suit directly against the at-fault driver will pencil out in the end.