{"id":7042,"date":"2011-12-27T07:45:34","date_gmt":"2011-12-27T15:45:34","guid":{"rendered":"https:\/\/pdxinjurylaw.com\/?p=7042"},"modified":"2022-04-08T18:30:01","modified_gmt":"2022-04-08T18:30:01","slug":"bodily-injury-liability-insurance-claim","status":"publish","type":"post","link":"https:\/\/pdxinjurylaw.com\/es\/bodily-injury-liability-insurance-claim\/","title":{"rendered":"\u00bfQu\u00e9 es el seguro de responsabilidad civil por da\u00f1os corporales? \u00bfC\u00f3mo presento una reclamaci\u00f3n?"},"content":{"rendered":"

It\u2019s a sad fact of life that the number one cause of bankruptcy in the United States is medical costs, and if you\u2019ve been sued for causing injury to someone else in an auto accident, they may make an Oregon bodily injury liability claim against you. In that case, if you don\u2019t have appropriate or sufficient cover, you could find yourself financially ruined by someone else\u2019s medical expenses, or legal fees, or both, whether or not you actually caused the accident!<\/p>\n

How do I protect myself from claims against my assets in a car accident?\u00a0<\/strong><\/p>\n

Every driver on Oregon roads is required to have what\u2019s known as bodily injury liability cover as part of their overall insurance policy. So as well as avoiding financial ruin, state law is another reason why you need bodily liability insurance. This part of your policy covers you in the event you cause an accident that injures someone else. Critically, bodily liability insurance all covers you for your legal expenses in the event of someone taking you to court. Whether you win or lose your case, bodily liability insurance covers you for court costs that could otherwise take every penny you own and maybe the roof over your head. The coverage also applies to passengers in the other car, pedestrians, cyclists or anyone else who may be injured in an accident involving your car.<\/p>\n

How much liability coverage do I need in Oregon?\u00a0<\/strong><\/p>\n

Well, there\u2019s a minimum level of cover and then there\u2019s what\u2019s appropriate. Oregon has a mandatory minimum coverage under statute ORS 806.010, of $25,000 per person for bodily liability injury, and $50,000 per crash for bodily injury to others. The reality is that you should actually take as much coverage as you can afford, because medical and legal costs can obviously exceed the above numbers without much difficulty, and the insurance company will not pay out beyond the level of your coverage, no matter what. To be safe, it would be wise to have a minimum level of cover of $100,000 per injured person and from two to three times that much in per-accident coverage.<\/p>\n

What if I\u2019m the one who was injured in an Oregon car crash?<\/strong><\/p>\n

If you\u2019ve been injured in a automobile accident through someone else\u2019s negligence, you are most likely eligible to receive compensation to cover your own medical expenses, as well as other financial losses (like loss of income due to missing work) and for pain and suffering. Finally, you could receive what are known as punitive damages if it can be shown that the person who caused your injuries is guilty of gross negligence. You will have to get the ball rolling by filing a bodily injury liability claim<\/a>.<\/p>\n

Before launching an Oregon bodily injury liability claim, carefully consider the following things:<\/p>\n