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Questions Answered by Virgil Royer
2 Answers | Asked in Car Accidents, Personal Injury and Criminal Law for Oregon on
Q: If I was hit and injured in a car accident having no insurance and a suspended license, what are my options considering?

I left the scene before cops arrived "Which is considered a "hit and run" the person who hit me is at fault and was not injured nor were any of her passengers. I have not filed a report, nor spoke with police about the matter. I am afraid, because I don't have insurance, I will... Read more »

Virgil Royer
Virgil Royer answered on Sep 16, 2020

You pose an interesting, and all too common set of issues. If you are in accident caused by someone's negligence, and do not have auto insurance, then you are entitled to recovery your monetary damages (for example, medical bills, lost wages, property loss). In other words, you cannot recover... Read more »

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2 Answers | Asked in Car Accidents for Oregon on
Q: I scratched another car Left to get something to write with came back and they where gone. What do I do?

I was pulling in to a walmart parking lot and scratched another car. I then parked my car went over to the other car took a picture of the damage, then went back over to my car to get something to write with realized I didn't have anything so I went into the store to get paper and something to... Read more »

Virgil Royer
Virgil Royer answered on Sep 12, 2020

Parking lots, especially busy ones like Wal-Mart, frequently have accidents--especially scratches. When you caused damage to property, you are required to let the owner know. ORS 811.700 is a Class A Misdemeanor. If you hit a parked car, you are required to wait for (or, locate) the owner to... Read more »

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1 Answer | Asked in Car Accidents for Oregon on
Q: I’m a victim of a hit and run. I’m 99% sure it was my neighbors friend who backed up in to it.

My neighbor acknowledges the car but denies knowing who it belongs to, which is complete bs. I’ve seen the car parked in his driveway multiple times. What can I do?

Virgil Royer
Virgil Royer answered on Aug 4, 2020

First, I am very sorry for you being a victim of a hit and run. I know the frustration. Second, being 99% sure isn't the same as 100%. I assume that you have some type of evidence that supports your theory. Third, if you have a strong belief that it could be your neighbor's friend, you... Read more »

1 Answer | Asked in Consumer Law and Car Accidents for Oregon on
Q: Hello, I was just trying to do a brief write-up about ORS 746.290 and how it pertains to repair shops. Please explain?

I am writing content for an online auto body repair shop magazine. Thanks!

Virgil Royer
Virgil Royer answered on Aug 3, 2020

Oregon law does not allow insurers to dictate where a person needs to take their vehicle for repairs. They can make a recommendation. But, they are required to also provide notice through ORS 746.290 of ORS 746.280. In short, while insurance companies can recommend certain repair shops, they have... Read more »

2 Answers | Asked in Car Accidents for Oregon on
Q: I am uninsured driver and my car was smashed by an insured driver who ran a red light

I have the claim number and was told to go to a shop and get a quote. Am I allowed to get my car fixed or to accept payment since I am not insured?

Virgil Royer
Virgil Royer answered on Jun 10, 2020

Yes. That's the quick answer. It appears that you have a very easy claim with regard to liability. If someone runs through a red light and smashes into your car, it is hard to think of a situation where they are not at-fault. The fact that you are not insured means that you cannot recover for... Read more »

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2 Answers | Asked in Collections, Traffic Tickets, Car Accidents and Insurance Defense for Oregon on
Q: I was in a fender bender where I rear ended someone, now I’m being sent to collections and they say my license will be

Suspended if I don’t make a Minimum payment if 1000 down and 100 a month. When I got in the accident I had just bought a car the night before from a personal buyer and had not had a chance to put insurance on it in the less the lab 24 hours after having it. I bought the car on 4/20/20 at 7pm, and... Read more »

Virgil Royer
Virgil Royer answered on Jun 5, 2020

First, the collection agency is collecting a debt. They are not the Department of Motor Vehicles (DMV) and have no power to suspend your driving privilege. Second, you mentioned "grace" period. Did your insurance company deny coverage for this accident even though you just bought the car?... Read more »

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2 Answers | Asked in Car Accidents for Oregon on
Q: My wife just got in a accident with my 2 month old son in the car with a unlicensed driver who was only 15.

Our cars breaks didn't react fast enough to stop and they t-boned the car on the side my son was sitting. Everyone is fine, besides for bumps and bruises. I'm wondering what to do beyond filing with insurance, which has already been done? And what to expect?

Virgil Royer
Virgil Royer answered on Apr 23, 2020

I am very sorry this accident happened to your family. I am glad everyone seems fine--except for bumps and bruises. It is difficult to tell from this question who might be at-fault. If the brakes were not working due to failure to fix them, knowing they were in need of repair, that could be an... Read more »

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6 Answers | Asked in Car Accidents and Insurance Bad Faith for Oregon on
Q: Why is the insurance company forcing me to use my PIP to reimburse me for my lost wages for a non-at fault accident?

I was in an accident were liability was determined to be completely the other drivers fault. Both of us have the same insurance carrier (Progressive). The insurance company forced me to use my own PIP to pay my medical bills. I would have rather not used my own policy (PIP) and filed a third... Read more »

Virgil Royer
Virgil Royer answered on Apr 13, 2020

PIP is a great tool to ensure that everyone involved in an accident involving an insured motor vehicle has medical coverage and some funds for lost wages rather than having to wait for a year or more to get paid by the at-fault party. Lost wages don't start until after the 14th day of time... Read more »

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2 Answers | Asked in Personal Injury and Car Accidents for Oregon on
Q: I was in a accident.I recieved an reward letter for $100, 590.64 my policy is for a $100,000 who is gets the $590.64.
Virgil Royer
Virgil Royer answered on Apr 21, 2020

The are likely a few reasons for this. Usually, though PIP is paid separately and reimbursed back to the other company. If you settle on your UIM policy (under insured/under insured), then your company will often waive PIP reimbursement, if your damages exceeded the policy limits of the at-fault... Read more »

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