Oregon No Fault Clause

State:
Multi-State
Control #:
US-OL25072
Format:
Word; 
PDF
Instant download

Description

This office lease clause describes the allocation of risks. The parties desire to allocate certain risks of personal injury, bodily injury or property damage, and risks of loss of real or personal property by reason of fire, explosion or other casualty, and to provide for the responsibility for insuring those risks as permitted by law.

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FAQ

Under Oregon law, insurance policies have a built-in no-fault provision. Under this system, car insurance providers are required to provide Personal Injury Protection (PIP) to pay for injuries resulting from the use, ownership, or maintenance of a vehicle.

During the insurance process, a representative will be assigned to your case and conduct an investigation. The representative will review all available pieces of evidence, such as witness testimony and medical records, and determine whether or not the policyholder caused the accident.

Higher premiums: No-fault states have higher insurance premiums than tort states because more coverage is required and fraud is more prevalent. Limited legal options: Drivers in no-fault states can only sue the at-fault driver if they are seriously injured or incur significant expenses.

If you cause an accident and you are uninsured, then you can be personally sued for money damages by any injured person. If they receive a judgment against you for money damages, and you do not pay within 60 days, your license can be suspended until the judgment is paid.

Oregon's No-Pay, No-Play law is similar to those of other states. Driving uninsured results in the forfeiture of the right to sue for non-economic losses. If the at-fault driver is under the influence, driving recklessly, or causing a collision intentionally, the law is voided.

Oregon Is a "Fault" Car Accident State This means that the person who was at fault for causing the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver's insurance carrier will absorb these losses, up to policy limits).

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Oregon No Fault Clause