Oregon dmv motor vehicle report

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Alabama - AL. If you cause an accident and you are uninsured, then you can be personally sued for money damages by any injured person. If they receive a judgment against you for money damages, and you do not pay within 60 days, your license can be suspended until the judgment is paid. The injured person with the judgment may be able to have the court order that money be taken from your bank account or your paychecks in order to pay the judgment.

If you are injured in an accident and you are uninsured at the time of the accident, there will probably be limitations on your ability to recover certain kinds of money damages from the at-fault driver in a lawsuit. Personal Injury Protection If you are injured in an accident that is the fault of an uninsured motorist, then you may have the following insurance protection.

You will be protected by Oregon's no-fault insurance, known as personal injury protection or "PIP," if: you are insured under your own policy; or the private passenger motor vehicle you were in is insured; or you are a pedestrian struck by an insured private passenger motor vehicle. Such essential services might include: house cleaning, childcare and cooking.

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If your insurance policy and a different policy insuring the vehicle both apply, you may be entitled to benefits under both policies. They may provide benefits, in addition to your PIP coverage or after your PIP coverage expires, in the event you have been injured through your own negligence or through the negligence or fault of either an insured or an uninsured driver.

If you are injured in an accident through the fault of an uninsured driver, whether you were driving or were a pedestrian, your own insurance will provide coverage up to the limits of your UM policy.

In essence, it provides substitute coverage when the at-fault driver does not have any insurance. Your own insurance will enable you to recover noneconomic and economic damages in any amounts, up to your UM policy limits, that you would have been entitled to recover from the uninsured driver. Economic damages include medical expenses and wage loss.

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Noneconomic damages include pain and suffering, interference with normal activities, and permanent injury. You may obtain the benefit of your UM coverage also in a situation where there is a hit-and-run accident, and you are unable to identify the other vehicle.

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UM coverage may also be available when a "phantom vehicle" causes an accident, even though no actual contact was made between the vehicles. In the case of a "hit-and-run" or "phantom vehicle," the injured party must report the accident to the police or Motor Vehicles Division within 72 hours after the accident and notify his or her insurance company within 30 days of the fact that a claim will be made for damages. Independent evidence must corroborate the injured party's testimony about the "phantom vehicle. Under UIM coverage, you may be entitled to the difference between the limits on your UM policy and the limits on the policy for an insured driver who caused your injuries in the accident.

Oregon DMV may be the nation's worst, survey says (poll) - vahifeqacy.tk

Put the car in your name or someone listed on your policy to avoid naming conflict. Also, a company can deny a claim if the car listed on your policy is not registered to you. Double check the VIN on your car with what your received from the insurance company to make sure they match. You don't need to get pulled over and sit there for a long time while you and the officer sort things out. And, if you bought insurance from one of the little guys, don't freak out too bad.

It doesn't mean they are bad.