Latest Injuryboard.com Personal Injury Updates for Oregon motor vehicle accidents http://www.injuryboard.com/blogs/oregon/tag/motor+vehicle+accidents/recent-comments/ I had a question about bodily injury limits. What happens if your injuries, medical treatment, surgery, ect. far exceeds the other person's minimal bodily injury liability coverage of $25,000.00. Is the maximum of only $25,000.00 going to paid because that is the policy limit? <br />Thanks so much, <br />Joelee Crites<br /><br />Joelee:<br /><br />Injuries often exceed the wrongdoer's insuranc policy limits. In Oregon, if your own insurance limits are greater than the wrongdoer's you usually can seek the difference from your own insurance company. Underinsured motorist coverage (UIM) is usually part of your insurance policy. For example if your UIM coverage is $100,000 and the wrongdoer's policy is $25,000 you can potential recover or sue your own company (since you have paid for UIM coverage) for the difference, or $75,000.<br /><br />Jane Paulson<br />Paulson Law Firm<br />1000 SW Broadway <br />Suite 1660<br />Portland, OR 97205<br />503-226-6361 http://portland.injuryboard.com/automobile-accidents/oregon-auto-insurance-policies.aspx?googleid=200516#C1400 A comment on Oregon Auto Insurance Policies Automobile Accidents Motor Vehicle Accidents Joelee Crites Fri, 09 Jun 2006 07:58:43 GMT Could you comment on a chain-reaction type rear-end collision? For example, car A is stopped for a crosswalk, Car C strikes car B knocking them into car A. Does Oregon put 100% of the fault on C? Or does A look to B's insurance and then B to C's insurance?<br /><br />Thanks-<br />Norm<br /><br />*****<br /><br />Norm:<br /><br />That's a good question. The answer lies in how negligence works. Drivers whose conduct creates risks of harm are responsible to those they harm. In your hypothetical, C is the responsible party because C caused the risk of injury by failure of lookout/ speed/ control. However, my experience is that sometimes A should bring in B just in case C says B was not stopped at the time and would have hit A anyway, or if A (or others) remembers more than one impact.<br /><br />Chris<br /><br />Christopher T. Hill, PC<br />520 S.W. Sixth Avenue, Suite 1250<br />Portland, OR 97204<br />Tel: (503) 227-4330<br />Fax: (503) 227-3230<br />chill@cthlaw.com<br /><a href="http://www.cthlaw.com" rel="nofollow">More ... </a> http://portland.injuryboard.com/automobile-accidents/liability-and-the-rear-end-auto-accident-collision.aspx?googleid=200642#C1266 A comment on Liability and The Rear End Auto Accident Collision Automobile Accidents Motor Vehicle Accidents Norm Thu, 02 Mar 2006 12:27:24 GMT