Whether it’s a minor fender-bender or a major collision, understanding the car insurance claims process in Oregon is crucial for ensuring you receive proper compensation for any damages or injuries. If you’re dealing with car insurance claims in Oregon, you may have many questions about how to proceed, especially given Oregon’s unique insurance laws. 

At Craig Swapp & Associates, our Oregon accident attorneys are committed to helping accident victims navigate the complex legal landscape. Below, we provide a detailed guide on filing car insurance claims and what you need to know to protect your rights.

Is Oregon a No-Fault State?

One of the first things to understand about Oregon’s insurance system is that it is not a no-fault state. In Oregon, the party who is responsible for causing the accident is also liable for paying the damages resulting from the crash. This means that Oregon follows a “fault-based” or “tort” system where victims can pursue compensation from the at-fault party, either through their insurance company or directly.

Additionally, Oregon law requires drivers to carry a minimum amount of insurance, including liability coverage, uninsured motorist coverage, and personal injury protection (PIP). Understanding how these coverage requirements interact is key to managing your car insurance claims effectively.

Understanding Oregon Car Insurance Coverage

Oregon has specific requirements for car insurance that every driver must adhere to. 

The minimum insurance coverage requirements in Oregon include:

  • Bodily Injury and Property Damage Liability: $25,000 per person and $50,000 per crash for bodily injury, and $20,000 per crash for property damage. This type of coverage pays for damages or injuries you cause to others in an accident.
  • Personal Injury Protection (PIP): Oregon requires drivers to carry at least $15,000 in PIP coverage. PIP provides coverage for medical expenses, wage loss, and essential services, regardless of who is at fault.
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per crash for bodily injury. This type of coverage protects you if you are injured by a driver who does not have sufficient insurance.

These coverage types form the basis of the car insurance claims process in Oregon. If you are involved in a crash, these coverages determine who pays for what, and how you can pursue compensation for damages and injuries.

What to Do When Filing a Car Insurance Claim in Oregon

If you’re filing a car insurance claim in Oregon, it’s important to follow the appropriate steps to ensure you get the compensation you deserve. 

Here are the key steps to take:

1. Report the Accident 

In Oregon, if the accident causes injury, death, or property damage over $2,500, you must file an accident report with the Oregon Department of Motor Vehicles (DMV) within 72 hours. Make sure to get a copy of the police report, as it will help substantiate your claim.

2. Notify the Insurance Company

Promptly notify your insurance company of the accident. You should do this even if the other driver appears to be at fault. Oregon insurance companies often require you to report any accident within a specific timeframe.

3. Document the Accident

Collect as much evidence as possible. Take photos of the accident scene, vehicle damage, injuries, and anything else that may be relevant to your claim. Get contact information from witnesses, if available.

4. Seek Medical Attention

Even if you don’t feel hurt immediately, it’s important to seek medical attention after an accident. Some injuries, such as whiplash, may not present symptoms right away. Keep all medical records and receipts, as these will be necessary for your insurance claims.

5. Submit a Detailed Claim

File a detailed car insurance claim, providing all requested documents and evidence. This might include the police report, medical records, photos, and witness statements.

6. Work with an Oregon Accident Attorney

Consider consulting with a car accident attorney in Oregon. An experienced attorney can help you navigate negotiations with insurance adjusters and fight for a fair settlement.

What if a Car Insurance Claim Dispute Happens?

Unfortunately, disputes can arise when filing car insurance claims in Oregon. Insurance companies might delay, reduce, or deny your claim based on liability issues or other reasons. If this happens, it’s critical to understand your rights and take action.

  • Review Your Policy: Carefully read through your insurance policy to understand the specific coverage you have and whether your claim was denied appropriately.
  • Demand an Explanation: You have the right to request a detailed explanation if your claim is denied. The insurer must provide a valid reason according to Oregon’s insurance laws.

If your car insurance claim is denied or if you believe you are being offered an inadequate settlement, consider hiring Oregon accident attorneys. They can help challenge the denial and pursue your rightful compensation.

We Can Get You the Right Car Insurance Settlement

Filing car insurance claims after an accident can be overwhelming, especially when dealing with medical expenses, property damage, and lost wages. Insurance companies may try to minimize their payout or deny your claim entirely. 

Our dedicated car accident attorneys in Oregon at Craig Swapp & Associates have extensive experience dealing with insurance companies and negotiating settlements. We understand Oregon’s car insurance laws, and we’re committed to helping you get the compensation you deserve. Whether you’re struggling with a denied claim or need assistance navigating the car insurance claims process, or car accident lawsuits, we’re here to help.

Our team will handle all aspects of your claim, from dealing with insurance adjusters to gathering evidence, negotiating, and taking your case to court if necessary. We believe in protecting your rights and fighting for fair compensation.

Call us today at 1-971-266-16872 or answer our online form to schedule your free consultation.

Written By: Ryan Swapp     Legal Review By: Craig Swapp