Q: I just got into a car accident and I do not have a ODL it is suspended:( I was driving my boyfriends car with insurance
I stayed and talked with the person and we contacted insurance company’s. But what do I do now?
A:
Definitely tell your boyfriend's insurance. They will probably cover the accident if you had permission to drive his car and your are not a member of his household. If you are a member of his household meaning you live with him, there may be a clause in the policy which excludes members of the household who are not listed on the policy. These are just educated guesses based on my years of experience doing auto accident cases in Oregon. But what happens can vary depending on the Oregon Insurance Laws in effect at the time of the accident and the language of the policy.
Were you at fault? Were you injured? You probably need to file an accident report with the State of Oregon. If you were injured and the insurance covers the accident then you can apply for PIP medical coverage regardless who was at fault. If you aren't covered by your boyfriends insurance there may still be a a way to get PIP but it may take some research to figure out.
Tim Akpinar agrees with this answer
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