{"id":18825,"date":"2015-08-02T19:52:16","date_gmt":"2015-08-03T02:52:16","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?post_type=faqs&#038;p=18825"},"modified":"2021-08-12T20:44:55","modified_gmt":"2021-08-12T20:44:55","slug":"policy-limits-car-accident","status":"publish","type":"page","link":"https:\/\/pdxinjurylaw.com\/es\/faqs\/policy-limits-car-accident\/","title":{"rendered":"What Are Policy Limits in a Personal Injury Case?"},"content":{"rendered":"<p style=\"text-align: left;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignright size-medium wp-image-16265\" style=\"border: 2px solid black;\" src=\"https:\/\/pdxinjurylaw.com\/wp-content\/uploads\/2011\/07\/homeowners-insurance-claim-300x200.jpg\" alt=\"Oregon auto insurance claim, Portland car accident claim, portland accident compensation settlments\" width=\"300\" height=\"200\" \/><\/strong>Oregon accident\u00a0<strong>policy limits are the maximum amount of money an insurance company will ever have to pay any injured person<\/strong>\u00a0in the event of an accident. So, this greatly affects your case because it&#8217;s the maximum amount of money you can demand from the insurance company, no matter what your injuries are.<\/p>\n<h2 style=\"text-align: left;\">What happens when you are injured badly enough that fair compensation for your injuries\u00a0would be more than the other person&#8217;s policy limits?<\/h2>\n<p style=\"text-align: left;\">As the injured party, you can turn to your own insurance for a part of your policy called UIM, or Underinsured Motorists Insurance, which is a good way to work out the difference between your costs and the other person&#8217;s insurance policy limits in a personal injury case.<\/p>\n<h2 style=\"text-align: left;\">How do I find out the other person&#8217;s policy limits for a demand?<\/h2>\n<p style=\"text-align: left;\">The easiest way is to call and ask the other person&#8217;s insurance adjuster for the policy limits. This does not often work, but you can always try. If this doesn&#8217;t work, you do not have many options &#8211; often, insurance companies will not reveal this information unless the injury victim has an attorney. There is no law that says they have to provide this information.<\/p>\n<p style=\"text-align: left;\">Currently, Oregon law\u00a0<a href=\"http:\/\/www.oregonlaws.org\/ors\/806.070.html\" target=\"_blank\" rel=\"nofollow noopener\">ORS 806.070<\/a>\u00a0requires that an insurance policy\u00a0issued within the state must have<a href=\"http:\/\/www.oregon.gov\/odot\/dmv\/pages\/driverid\/insurance.aspx\" target=\"_blank\" rel=\"nofollow noopener\">\u00a0liability limits of at least $25,000\/$50,000.<\/a><\/p>\n<p style=\"text-align: left;\">The first number reflects the maximum amount that an insurance company has to pay to any one\u00a0individual in an accident. So, if the person who hit you only has a $25,000\/$50,000 policy,\u00a0their insurance company will never have to pay you more than $25,000 for your injuries.<\/p>\n<p style=\"text-align: left;\">The second number is the most amount the insurance company will ever have to pay for the\u00a0accident in total. For example, if four people were injured, \u00a0the company would not have to\u00a0pay over $25,000 per person, but for the entire group, they would not have to pay more than\u00a0$50,000.\u00a0To take this example further, if a bus containing 50 people were struck by a driver with a\u00a0$25,000\/$50,000 policy limit, the insurance would not pay more than $50,000 total for all 50\u00a0people, for an average of only $1,000 each. So the\u00a0<a href=\"http:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC1276634\/\" target=\"_blank\" rel=\"nofollow noopener\">policy limits<\/a>\u00a0in a personal injury case are important in determining whether your case is worth pursuing, especially in multi-person accidents.<\/p>\n<p style=\"text-align: left;\">If you&#8217;ve been injured in a car accident and want to know more about policy limits and how they affect you, please read our free book\u00a0<em><a href=\"https:\/\/pdxinjurylaw.com\/es\/7-common-mistakes-that-can-wreck-your-oregon-accident-case\/\" target=\"_blank\" rel=\"nofollow noopener\">7 Common Mistakes That Can Wreck Your Oregon Accident Case.<\/a>\u00a0<\/em>Or call our office at (503) 222-4411 to start discussing your case so that our attorneys can help.<\/p>\n<div style=\"margin: 40px 0px 40px 0px;\" align=\"center\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Oregon accident\u00a0policy limits are the maximum amount of money an insurance company will ever have to pay any injured person\u00a0in the event of an accident. So, this greatly affects your case because it&#8217;s the maximum amount of money you can demand from the insurance company, no matter what your injuries are. What happens when you&#8230; <a class=\"fancy_link\" href=\"https:\/\/pdxinjurylaw.com\/es\/faqs\/policy-limits-car-accident\/\">leer m\u00e1s<\/a><\/p>","protected":false},"author":7,"featured_media":0,"parent":63509,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_content_optimizer_report_url":"","_content_optimizer_report_added":"","_content_optimizer_keyword_hide_used":false,"_content_optimizer_keyword_hide_above_average":false,"_content_optimizer_entities_hide_used":false,"_content_optimizer_entities_hide_above_average":false,"_content_optimizer_headings_hide_used":false,"_content_optimizer_questions_hide_used":false,"_content_optimizer_tab_active":"","_content_optimizer_report_url_ce":"","_content_optimizer_report_added_ce":"","_content_optimizer_keyword_hide_used_ce":false,"_content_optimizer_keyword_hide_above_average_ce":false,"_content_optimizer_entities_hide_used_ce":false,"_content_optimizer_entities_hide_above_average_ce":false,"_content_optimizer_headings_hide_used_ce":false,"_content_optimizer_questions_hide_used_ce":false,"_content_optimizer_tab_active_ce":""},"class_list":["post-18825","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Are Policy Limits in a Personal Injury Case?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pdxinjurylaw.com\/es\/faqs\/policy-limits-car-accident\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Are Policy Limits in a Personal Injury Case?\" \/>\n<meta property=\"og:description\" content=\"Oregon accident\u00a0policy limits are the maximum amount of money an insurance company will ever have to pay any injured person\u00a0in the event of an accident. 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