Hit by an Uninsured Driver in Salem? Here's What to Do Next
Getting into a car accident is stressful enough. But when the other driver is uninsured, the situation becomes even more complicated, and frustrating. If you were hit by an uninsured driver, working with an experienced auto accident attorney in Salem, OR is one of the smartest moves you can make. Not only can they help you understand your rights, but they can also help you secure the compensation you're entitled to, often from your own insurance company.
At Smith Morgan LLP, we understand the confusion and emotional toll that follows an accident with an uninsured or underinsured driver. These cases often involve additional legal steps and insurance disputes that demand experience and persistence. Before making any decisions or speaking to your insurance provider, it’s crucial to know how these situations work in Oregon.
The Unseen Risk on Oregon Roads: Uninsured Drivers
While most drivers in Oregon are required to carry liability insurance, a surprising number don't. According to data from the Insurance Research Council, approximately 10% of Oregon drivers are uninsured. This means there's a significant chance that the person who hits you may not have the financial means to cover your medical bills, vehicle damage, or lost wages.
Even more concerning is that some drivers carry only the minimum coverage required by law, which may not be enough to cover the full cost of your damage, this is known as being underinsured. Either way, if you find yourself in an accident with one of these drivers, you’re the one left holding the bag, unless you take the right legal steps.
What Is Uninsured Motorist Coverage (UM/UIM)?
Oregon law requires every auto insurance policy to include Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage. This coverage is designed to protect you when the at-fault driver cannot.
UM coverage steps in when the driver has no insurance at all. UIM kicks in when their insurance isn’t enough to cover your expenses.
This coverage can pay for:
- Medical expenses
- Lost income
- Pain and suffering
- Property damage (depending on your policy)
But here’s the catch: Your insurance company may not be eager to pay. You may have to fight for the compensation you rightfully deserve, even from your own insurer.
Why These Claims Are So Complex
Many accident victims assume that filing a claim with their insurance provider will be simple if the other driver is uninsured. Unfortunately, that’s often not the case.
Insurance companies are for-profit businesses. They may deny, delay, or undervalue your UM/UIM claim to protect their bottom line. They may question your injuries, argue about liability, or claim that you were partially at faulty tactics to reduce the payout.
This is why you need a car accident attorney in Salem, OR who knows how to handle these tricky situations.
A skilled attorney will:
- Review your insurance policy in detail
- Gather evidence to prove your damages and liability
- Negotiate assertively with your insurance company
- Represent you in arbitration or court if necessary
How Smith Morgan LLP Can Help
At Smith Morgan LLP, we’ve handled countless UM and UIM claims for clients across Oregon. We know how to stand up to insurance providers, and we won’t back down until you receive what you're entitled to under your policy.
Here’s what sets us apart:
- We Know Oregon Law Inside and Out
Our team is well-versed in the nuances of Oregon’s personal injury and insurance laws. We stay up to date on legislative changes that could affect your case and are proactive in using every legal tool available to protect your rights. - We Treat Clients Like People, Not Case Numbers
We understand how traumatic these accidents can be. Our goal is to take the stress off your shoulders so you can focus on healing. We’ll keep you informed every step of the way and provide honest, compassionate legal counsel. - We Get Results
Whether your case settles or goes to court, we fight hard for maximum compensation. We’ve recovered millions for injury victims throughout Salem and beyond, and we’re ready to do the same for you.
Steps to Take After an Accident With an Uninsured Driver
If you’ve been in an accident and suspect the other driver is uninsured, follow these steps immediately:
- Call the Police – Always file a police report. This official documentation will be vital for your UM/UIM claim.
- Collect Evidence – Take photos of the accident scene, vehicle damage, and any visible injuries. Get the contact info of any witnesses.
- Get Medical Treatment – Don’t delay. Even if you feel “fine,” some injuries don’t show symptoms right away. Medical records are essential for your case.
- Notify Your Insurer – Inform your insurance company about the accident, but avoid giving a recorded statement before talking to a lawyer.
- Contact an Attorney – Speak with an auto accident attorney in Salem, OR who has experience handling uninsured driver claims.
Why You Shouldn’t Go At It Alone
Filing a UM or UIM claim can quickly become overwhelming. Your insurance company might appear supportive at first, but their interests don’t always align with yours. That’s why having an experienced car accident attorney in Salem, OR is essential.
A knowledgeable attorney can protect your rights, handle negotiations, and ensure that you’re not left paying out-of-pocket for an accident you didn’t cause. The stakes are high, don’t risk facing it alone.
Your Trusted Auto Accident Attorney in Salem, OR
If you’ve been hit by an uninsured or underinsured driver, you don’t have to navigate this legal maze alone. Smith Morgan LLP is here to help you every step of the way, from understanding your insurance policy to securing the full compensation you deserve.
Our team has extensive experience handling complex UM and UIM claims throughout Salem, OR, and we’re ready to put that knowledge to work for you. Contact us today to schedule your free consultation. Don’t wait, protect your rights and your recovery with the legal team Salem trusts.
