Lake Oswego Underinsured Accident Lawyer
Expert Uninsured Accident Attorneys Serving Lake Oswego: Fighting for Fair Compensation When Insurance Falls Short
Car accidents can change your life in an instant—especially when the driver who caused the crash doesn’t carry enough insurance to cover your medical bills, lost income, and other damages. Unfortunately, underinsured and uninsured drivers are far too common in Oregon. If you’ve been injured in a collision and the at-fault driver’s insurance isn’t enough to pay for your losses, you still have legal options.
At The Law Office Of Randall J. Wolfe, P.C., our diligent Lake Oswego Underinsured Accident Lawyers help injured victims recover the compensation they deserve—even when the responsible driver’s coverage falls short. Our team understands the complexities of insurance law, and we’re here to stand up to insurance companies that try to limit or deny your claim.
Understanding Underinsured and Uninsured Motorist Coverage in Oregon
Oregon law requires every driver to carry minimum levels of auto insurance, including uninsured/underinsured motorist (UM/UIM) coverage. This coverage is designed to protect you when another driver causes an accident but lacks adequate insurance to pay for your damages.
Uninsured Motorist Coverage (UM): Applies when the at-fault driver has no insurance at all.
Underinsured Motorist Coverage (UIM): Applies when the at-fault driver’s insurance is not enough to fully compensate your losses.
For example, if your medical bills and damages total $200,000, but the other driver’s policy only covers $25,000, your own UIM coverage can help make up the difference—up to your policy limits.
Unfortunately, recovering compensation through your own insurance company isn’t always straightforward. Insurers often dispute claims or undervalue damages to protect their bottom line. That’s where a skilled Lake Oswego Underinsured Accident Attorney can help.
Why You Need Our Firm As Your Underinsured Accident Lawyer
While insurance adjusters may seem cooperative at first, their goal is often to minimize payouts. Our knowledgeable Attorneys will:
- Review all applicable insurance policies to identify available coverage.
- Calculate your total damages, including future medical care, lost wages, and pain and suffering.
- Negotiate directly with insurance companies to ensure a fair settlement.
- File a lawsuit if necessary to pursue the compensation you deserve.
At The Law Office of Randall J. Wolfe, P.C., we’ve seen how insurance companies use complex policy language to confuse or discourage claimants. Our team has the expertise and persistence to challenge these tactics and secure full and fair compensation on your behalf.
Common Causes of Underinsured Motorist Accidents
Underinsured motorist accidents in Lake Oswego often result from:
- Distracted or reckless driving
- Speeding or aggressive driving
- Driving under the influence of alcohol or drugs
- Failure to yield or obey traffic signals
- Hit-and-run accidents
Even when liability seems clear, proving damages and navigating multiple insurance policies can be overwhelming without professional guidance.
Compensation Available in an Underinsured Accident Claim
Victims of underinsured motorist accidents may be entitled to compensation for:
- Medical expenses and ongoing treatment
- Lost income and reduced earning capacity
- Property damage
- Pain and suffering
- Emotional distress
- Loss of enjoyment of life
Our Lake Oswego Personal Injury Lawyers will work with medical experts, financial professionals, and accident reconstruction specialists to build a strong claim and demonstrate the full impact of your injuries.
Contact a Lake Oswego Underinsured Accident Lawyer Today
You shouldn’t have to suffer financially because another driver failed to carry adequate insurance. If you’ve been injured in an accident involving an underinsured or uninsured driver, contact The Law Office of Randall J. Wolfe, P.C. today. With over 45 years of combined experienced, our legal team has the determination and grit it takes to win your case. We will review your case, explain your legal rights, and handle every step of your claim so you can focus on your recovery. Contact us today.