Bill Berkshire PC
|
|
|
Website designed and maintained by Panacea Productions
|
Concentrating in personal injury and wrongful
death cases
Injured PedestrianQ: I am 19 and live with my parents. Three weeks ago, I was crossing the street at an intersection with the "walk" signal when a driver ran into me. I went to the hospital and have a huge medical bill, but the other driver had no insurance. What can I do? A: First, if you have automobile insurance, your auto insurance will cover your injuries. If you do not have insurance yourself, you are eligible for coverage under any automobile policy that your parents have, since you live with them. Every Oregon automobile insurance policy is required to provide medical expenses up to at least $10,000 or 1 year after the accident (whichever comes first), plus 70% of your lost income (up to $1,250 per month) if you are disabled for 14 days or longer. In addition, you have a claim for Uninsured Motorist (UM) benefits. The UM claim includes all your medical expenses, all your lost income, a factor for pain and suffering, and a factor for any long-term problems due to your injuries. If no insurance is available, you may have to file a lawsuit against the drive.
Q: I drove downtown to shop and parked my car. As I was crossing the street, in a marked crosswalk with the "walk" light showing, a car hit me and broke my leg. The driver had no insurance. How do I get my medical bills paid, and do I have a claim for anything else? A: This may sound funny, but your own automobile insurance is liable to pay your reasonable and necessary medical expenses (up to a year after the accident and up to at least $10,000), plus 70% of your lost wages if you were disabled and not able to work for 14 days of more (up to a maximum of $1,250 per month) under your own Personal Injury Protection (PIP) coverage. You also have an Uninsured Motorist claim with your own insurance company for any medical expenses and lost income not paid under the PIP, for your pain and suffering and for any permanent or long-term problems you may have due to your injuries. |
|
Home | Biography | FAQ's | Contact Send mail to
webmistress@billberkshire.com with
questions or comments about this web site.
|
