Uninsured and underinsured motorist claims in Oregon: what they are and when they matter
Most people don’t think about their own car insurance coverage until they’re in an accident and find out the other driver doesn’t have enough — or any — insurance. Here’s what you need to know.
What is UM/UIM coverage?
UM (Uninsured Motorist) coverage applies when the at-fault driver has no liability insurance at all — including hit-and-run situations where the driver can’t be identified.
UIM (Underinsured Motorist) coverage applies when the at-fault driver has insurance, but their policy limits aren’t enough to cover your damages.
Oregon law requires auto insurers to offer UM/UIM coverage. If you didn’t opt out in writing, you likely have it. The limits may be lower than you think, which is why reviewing your policy after an accident matters.
What is PIP coverage?
PIP (Personal Injury Protection) is Oregon’s no-fault medical coverage. It pays for your medical expenses and lost wages up to policy limits — regardless of who caused the crash. Oregon requires a minimum of $15,000 in PIP coverage.
PIP pays quickly, without waiting for a liability determination. But accepting PIP benefits can affect how you handle the rest of your claim, so it’s worth understanding the implications before you assume it’s straightforward.
How UM/UIM and PIP interact with a liability claim
These coverages layer on top of each other in ways that aren’t always obvious. In some cases:
- PIP pays first, and your liability recovery is offset
- UM/UIM has its own claims process and deadlines
- Your own insurer may dispute the claim even though you’re their customer
If your crash involved an uninsured driver, a hit-and-run, or a situation where the at-fault driver’s coverage isn’t enough, talking to an attorney before you navigate these coverages can help you avoid leaving money on the table.
Common questions
Can I file a UM/UIM claim with my own insurer?
Yes. UM/UIM claims are filed with your own insurance company. Despite the fact that they’re your insurer, they may still dispute the value of your claim.
Does filing a UM/UIM claim raise my rates?
In most cases, filing a UM/UIM claim where you were not at fault should not raise your rates under Oregon law. But policy terms vary — confirm with your insurer.
Are there deadlines for UM/UIM claims?
Yes. Deadlines can be shorter than the standard statute of limitations, and some policies require prompt notice of a UM/UIM claim. Don’t wait.