Apr 29

What Injury Insurance Is Available To Me?

This depends on the situation.  A consultation with an attorney should help to determine what insurance may be available.

As an example, if you are involved in a car crash in Oregon there are at least three forms of injury insurance that are likely at issue if you have been involved in a automobile accident. The first is Personal Injury Protection (“PIP”) benefits that are used to pay medical bills and lost wages regardless of who was at fault for causing the crash.  The second is the Liability Coverage of the at-fault party – this is the other party’s insurance to cover your claim.  Last, Uninsured and Underinsured Motorist Coverage (“UM/UIM”) may be available to you if you have paid for coverage above what the other party has in liability insurance.

Other examples – If you are injured on the job you may be entitled to workers compensation insurance benefits and may have a claim against automobile or general liability insurance coverage for any non-employer that caused your injury. If your personal injury resulted becaue of a crime you may be abe to receive benefits from the Oregon Crime Victims Assistance program.

There are many other insurance-related issues, depending on the kind of injury you have suffered and how. The requirements and processes of obtaining benefits from the myriad of different kinds of insurance depends on various factors and are subject to numerous Oregon laws and contractual provisions.

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