Legal Question in Personal Injury in Oregon
auto accident injury and damages
if a person other than the owner or another insured party specified
by the owner in his policy drives a vehicle and has an injury or
personal property accident , whose insurance does the owner
claim - the unauthorised driver's policy or or the owners?
3 Answers from Attorneys
Re: auto accident injury and damages
I am not sure I can answer your question correctly because important information is missing. I would need to ask a few questions to clear up the ambiguities. Feel free to call me at 503-999-8333. David L. DenHartigh, Attorney at Law.
Re: auto accident injury and damages
In Oregon the insurance follows the car not the driver.
Re: auto accident injury and damages
Normally in Oregon, as I noticed another attorney advised you, the insurance follows the car. However, in this case, the car's insurance probably won't cover this loss, since the driver was evidently operating the vehicle without the permission of the owner. That's usually an exclusion.
The DRIVER'S insurance is next in line to pay, if there is no coverage on the car itself, and should pay for any losses; however, if the driver was in the process of committing a felony (did the driver STEAL the car??), then THAT coverage is probably excluded as well. All you can do, if you're the claimant, is to contact first the car's insurer and then the other if that fails, and see what happens.
Good luck,
Sam Hochberg
www.YourInjuryLawyers.com
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