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In general, when a person is injured as a result of another person’s negligence, the injured party may pursue a claim against the party or parties that caused the injuries. You are entitled to compensation for your injuries if it is found that a defendant was negligent and that such negligence was a cause of your injury. Any personal injury case depends on liability, damages, and whether or not you can collect from the negligent party or parties. Even if you were partially at fault for your injuries, you may be entitled to recover a portion of your damages. Oregon has adopted the doctrine of modified comparative negligence whereby a claimant’s action is barred if his fault equals or exceeds the combined fault of defendants. Otherwise, the claimant’s recovery is diminished in proportion to his degree of fault.
Personal injury law attempts to cover all areas and types of injuries suffered by individuals. Some of the most common areas are automobile accidents, premises liability, medical malpractice, and product liability, among others. Whether or not you are entitled to compensation may depend on the type of accident that caused the injury.
In Oregon, the law provides for nofault automobile liability insurance coverage, also referred to as Personal Injury Protection (PIP), for all owners of motor vehicles in Oregon. This means that your own insurance carrier will provide coverage of all reasonable expenses incurred (except property damage) for up to one year regardless of who was at fault for the accident. You can be reimbursed for medical expenses up to $10,000; 70 percent of your gross wage loss up to $1,250 per month; replacement services (such as domestic help) up to $30 per day; child care up to $15 per day and funeral expenses up to $2,500. Nofault benefits do not include compensation for damages such as pain, suffering, inconvenience, disfigurement, loss of earning capacity, etc.
The other driver’s insurance company is the liability carrier and will pay you, as a victim of the other driver’s negligence, for your out of pocket damages and pain and suffering. The mandatory minimum liability coverage is $25,000 per person and $50,000 per accident bodily injury liability, and $10,000 property damage liability. If you are in an automobile accident with an uninsured driver who is at fault, the uninsured motorist provisions of your own policy will apply. This coverage would also apply if you were hit by a “hit and run” driver. This insurance acts just like the insurance the uninsured driver should have had, except there is no requirement that any nofault threshold be met before payments can be made. Underinsured motorist coverage picks up where the liability coverage of the other driver leaves off. If your personal injuries exceed the amount of the other driver’s liability insurance, your underinsured motorist insurance covers the excess damages under current law.
Generally, people who operate motor vehicles must exercise reasonable care under the circumstances. Failure to use reasonable care is the basis for most lawsuits for damages caused by an automobile accident. In these cases, proof of fault is often contested and requires thorough investigation. A driver may also be liable for an accident caused by intentional or reckless conduct. A reckless driver is one who drives unsafely, with willful disregard for the probability that the driving may cause an accident. Liability claims are usually the subject of negotiation between your lawyer and the liability insurer for the negligent party. Lawsuits are generally filed when negotiations fail. If you file a lawsuit against a negligent driver, your attorney will need to prove that the other party was negligent and that the other party’s negligence caused injuries that resulted in compensable damages. Be careful when dealing with the other party’s insurance company because they may try to rush you into a settlement before you can adequately evaluate the extent of your damages.
If you were injured at someone else’s home or a commercial establishment, the person or entity responsible for the premises may be found liable. This can cover a variety of situations including slip and falls, dog bites, assaults, among others. The person liable for your damages is the party in control of the property. That party is responsible for the care, maintenance and inspection of the property. For example, an owner may not be the responsible party if he or she has leased the property to another party who actually has control over the premises.
The responsible party must pay for damages if the injured party proves that (1) the condition of the property was dangerous; (2) the owner knew, or should have known, about the dangerous condition; and (3) the owner had a reasonable opportunity to correct or warn of the condition, which was not reasonably open and obvious to the injured party at the time of the accident. In general, it is the duty of an owner to exercise reasonable care in the maintenance of the premises. He must warn a visitor of any dangerous conditions that are known, or should be known to him, if the conditions are not likely to be perceived by the visitor and to repair the conditions within a reasonable time frame.
The owner or operator of the property must have notice of the defect or circumstances that caused your injury prior to the injury having occurred. The notice can either be actual notice or implied notice, meaning the owner knew or should have known of the dangerous condition given all of the surrounding facts and circumstances. When the owner actually created the dangerous condition, then notice is presumed. If a hazard cannot be eliminated, the owner has a duty to warn of the hazards he is aware of or should be aware of.
The duty of a possessor of land to the injured person may vary depending on the status of the person at the time of the injury. Business owners typically have the highest responsibility to those who are invited onto their premises. Homeowners also have a duty to their guests. The standard of care owed to an adult trespasser is less than that owed to a person who has permission to be on the property. An owner may be liable, however, if he maintains a condition that causes injury to a trespassing child.
Product Liability deals with recoveries for personal injury or property damage resulting from the use of a product. Product liability cases may involve dangerous toys, automobile design, seat belt failures, improperly designed household products, industrial machinery, products causing explosions or burns, aviation products, medical devices, prescription or over the counter drugs, among others. A lawsuit can be brought against anyone participating in the chain of manufacture for that product, from the manufacturer, to the designer to the retail store. When a company designs and manufactures a product, they have a responsibility to ensure that anyone exercising reasonable care within the expected parameters of usage expected for the product will not be injured. An action can be based on negligence, breach of implied or express warranty, or strict liability.
Under a negligence theory, the claimant must prove the elements of duty, breach of duty, damages, and proximate cause. As for the breach of warranty theory, a warranty is like a promise. An implied warranty exists whether or not you have a written “warranty”. An implied warranty of merchantability means that the product sold conforms to the ordinary standards of care and are comparable to similar goods sold under similar circumstances. An implied warranty of fitness for a particular purpose exists when the retailer, distributor, or manufacturer has reason to know the particular purpose for which the goods are required, and that the buyer is relying on the skill an
Injuries cost money, including time away from work, medical bills and other complications. You should have an attorney help you with your claim. Not sure if you have a good injury case? Speak to a local personal injury attorney about the merits of your case. This one step can help you protect your rights and take the proper next steps.