Car accidents can significantly impact your life. Even minor accidents can result in injuries that require costly medical treatment and a lengthy recovery process. If you’ve sustained an injury following an auto accident in the Portland area, you may be facing a stack of medical bills, lost wages, and other unanticipated costs that are causing you financial stress. Let’s take a look at how you can seek and obtain the compensation you need in order to cover these expenses and move forward with your life.
Oregon Auto Insurance Requirements
Under Oregon state law, drivers must have a certain amount of auto insurance coverage. When you drive your car, you need to carry proof of this insurance at all times. You’re obligated to carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident. You also need uninsured/underinsured motorist coverage of $25,000 per person and $50,000 per accident, as well as personal injury protection (PIP) of $15,000 per person. The average annual car insurance premium for Portland drivers is $1,785.
Obtaining Compensation Following a Portland Car Accident
If you suffered an injury following an auto accident in the Portland area, you can file a claim with your insurance company to receive compensation for your medical costs associated with the injury. Regardless of who is at fault for causing the accident, you’ll need to go through your insurance company to secure the PIP benefits (up to $15,000 in one year) you need to assist with your medical costs. You are entitled to this amount, whether or not you have health insurance. However, in more severe cases that involve costs exceeding this amount, you should contact a knowledgeable personal injury attorney to discuss your options for pursuing compensation from the at-fault party.
How an Oregon Auto Accident Attorney Can Help
The aftermath of an auto accident can be overwhelming. The last thing you want to do is spend your valuable time and energy communicating with insurance adjusters or other parties who may attempt to deny you the benefits you need to get your life back on track. Working with a trusted personal injury attorney is a great way to ensure that you secure the compensation you deserve. Your attorney can handle these complex negotiations and take the necessary steps to obtain you a fair settlement. In many cases, trusting your attorney to represent your best interests can give you the reassurance you need as you focus on your recovery.
To learn more about your options for obtaining compensation following an auto accident in the Portland area, contact the dedicated and friendly legal team and Henderson Taylor Law Firm today at (360) 737-1478.