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Insurance Companies and Your Rights
Your Insurance Policy
Auto, Truck, and Motorcycle Cases
      
Wrongful Death Cases
Whatever you do, don’t walk away from these claims. Even if the person who hit you had no insurance, you have very significant rights under your UM/UIM policy. (Uninsured and Underinsured Motorist coverage).

This coverage is very important because it is your way to protect yourself from other people who, intentionally or by accident, failed to secure their own insurance. But the process is complex as it relates to your PIP coverage. Multiple adjusters from your own carrier may be involved which can result in you not maximizing your available coverage. Get advise promptly on these claims and don’t sign anything that relates to the other driver.

Likewise, even if you had no insurance but the collision was the other driver’s fault, you still have a legal claim against the other driver’s coverage. Some states limit the types of damages you can collect in this scenario, but the rules have exceptions that require immediate legal review. Remember, do not walk away from any claim simply because you think there is no coverage.

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Ronald H. Reynier P.C., 718 State Street, Hood River, OR; (541) 386-4264; (509) 493-2245