Bill Berkshire PC

 

 

 

 

 

 

Website designed and maintained by

Panacea Productions

Concentrating in personal injury and wrongful death cases
throughout the Portland metropolitan area.


Phantom Vehicle

Q:   I hit a tree when a driver suddenly cut in front of me and forced me off the road.  The other driver didn't stop, and I was not able to get the license number.  A witness stopped and helped me.  My insurance has paid my medical bills and part of my lost wages.  Am I entitled to anything more?

A:  Under the Personal Injury Protection (PIP) portion of your policy, your insurance should pay for reasonable and necessary medical expenses up to at least $10,000 or a year after the accident, plus 70% of your lost income (up to $1,250 per month) if you were disabled for 14 days or more.  Under Oregon law, you also have an Uninsured Motorist claim for your injuries.  Since there was a witness who can verify that the accident was caused by a "phantom vehicle", you may pursue a claim with your insurance company for any unpaid medical expenses, the remainder of your lost income (not just the portion paid pursuant to the PIP), plus a factor for pain and suffering and any long-term problem you may have due to your injuries. 

 

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Last modified: 08/14/06