What Happens If I’m Hit by an Uninsured Driver in Portland and Happy Valley, OR?

Getting into a car accident is stressful enough, but discovering the other driver doesn’t have insurance can make the situation even more overwhelming. It’s essential to know your options if you’re hit by an uninsured driver.

What to Do After an Accident with an Uninsured Driver

If you’re involved in a collision and the other driver lacks auto insurance, follow these steps to help protect your interests:

• Make sure you’re safe. Check for injuries and move to a safer location if possible.
• Report the accident. Call the police, as a police report is crucial for your insurance claim.
• Gather information. Collect the other driver’s contact details, vehicle information and witness statements, if available.
• Document the scene. Take photos or videos of the vehicles, the damage and the accident location.
• Notify your insurer. Report the accident as soon as possible, even if the other driver is uninsured.

The Importance of Uninsured Motorist Coverage

Oregon law requires all auto insurance policies to include uninsured motorist (UM) coverage. It can pay for your medical expenses and property damage if you’re hit by an uninsured driver or involved in a hitandrun accident. This coverage can act as the atfault driver’s insurance when they have none, making sure you still receive compensation for injuries and other losses. By stepping in to cover accident-related costs, UM coverage can help you avoid bearing the financial consequences of another driver’s negligence.

We’re Here to Help

Seguro Noroeste LLC understands how confusing and frustrating road accidents can be. If you’re located in Portland, OR & Happy Valley, OR, our team can guide you through every step of the claims process, from filing paperwork to communicating with your insurer. Contact our team today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.