What if my injury expenses are more than the at-fault party's policy limits?

October 9, 2025

What if my injury expenses are more than the at-fault party's policy limits?

Dealing with the aftermath of an auto accident is painful and stressful enough without having to worry about paying for your medical care. People often assume that the other driver’s insurance will cover everything, only to find out that the limits fall far short of their actual expenses. That’s where understanding your options – and getting help from someone who knows the system – becomes essential.

Bottom Line Up Front:

Call an attorney, they can help make the math work.  

The Long Answer

It is surprising how often medical expenses exceed the value of the at-fault parties insurance limits.  In Oregon the minimum limits are only $25,000 per person for bodily injury.  If you are severely injured in a crash, it is very easy to have medical bills greater than that in just a few days.  I have seen a single Life-Flight helicopter ride bill for over $65,000.  Because this is a common situation there are some pretty common ways to make sure that the injured person is compensated and the medical bills get handled.  Having an attorney who knows how to get that work done will save you a lot of time.  The analysis I generally follow is below: 

1. Who is the bill owed to?

Hospitals and Larger Medical Providers

Generally, hospitals and larger medical providers build into their pricing structure an assumption that they will not collect every dollar they bill.  Stated another way, larger providers are not always planning on getting paid in full, and a catastrophic car accident is one such circumstance. 


Smaller providers

For smaller providers, it is more difficult for them to absorb the loss financially.  By smaller I mean a solo practicing LMT or N.D. or Chiropractor.  For these providers it is difficult, but negotiating the bills on a case-by-case basis seems to work well. 


Private Health Insurance

Private health insurance typically works like a large medical provider.  But more than that, insurance companies are professional risk calculators.  They have built into their pricing models this type of situation and are aware that they may not get reimbursed for the medical bills they paid. 


Medicare/Medicaid

Unlike the payers above, the laws are more favorable to Medicare and Medicaid and in certain circumstances they will take reimbursement for bills they have paid even if it means the person who was injured gets nothing. 

2. Who has priority?

Next, I consider whether Oregon law would give priority to the injured person over anyone else to be sure they are made whole before any of the insurance companies get reimbursed.



In Oregon we have specific statutes (i.e. laws made by the legislature) that give priority of payment to the injured person.  If this fact situation arises, then so long as the prerequisites are met, the injured person can be made whole and not need to repay an insurance company that may have paid the bill. 

3. Are there any other payers?

Attorneys who know how to deal with Oregon car accident cases should know how to find additional payers in this type of situation.  Some examples are: 



  • If the at-fault party was drinking, were they drinking at a bar or tavern?  If so, were they served while visibly intoxicated?  If so, then the bar or tavern may be liable for the damage. 
  • Was the vehicle negligently entrusted by a person who has more money to pay bills? 
  • Is there an umbrella policy?
  • Was the at fault party acting on behalf of a company that may have deeper pockets?

What To Do

If you find yourself or someone you love in a situation where medical bills exceed the limits of the at-fault party, then overwhelmingly the smartest move is to call a lawyer. Let them handle the analysis and pursue every possible source of compensation, freeing you to focus on recovering from your injuries and getting your life back on track. Every case is unique, and even when the numbers look impossible, there are often creative solutions that can make a real difference. The earlier you involve an experienced attorney, the more options you’ll have.

 If this happened because of a car crash in Oregon, then certainly give Hunking Law a call at (541) 486-5464 and our attorneys are happy to apply our intellect, experience and expertise to help you get the best possible outcome in your situation. 

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Bottom-Line-Up-Front: Because if we don’t care about our community, no one else will. The Long Answer: 1. Does Community Involvement Matter at all? Stated another way, this questions whether or not what we do has any impact at all on our communities. I think the answer to this question is clear that obviously we do. Sometimes it feels like we try hard to make the community better, and larger forces seem to make the community worse despite our efforts. But I am always reminded of Margaret Mead’s quote: “Never doubt that a small group of thoughtful, committed, citizens can change the world. Indeed, it is the only thing that ever has.” 2. How do we know that the involvement we intend to engage with will be a net positive to our community? Stated another way: “I know I am out here doing stuff (like giving $20 to a panhandler); but how do I know that the impact of what I do will actually be good (like the panhandler will not immediately use the $20 to buy beer, get drunk and punch someone)?” I struggle with this question daily and I think the struggle is the best we can do. We do not know the future and “The Good Place” TV show made a very compelling case because our modern society is so complicated and interconnected, there is no way for us to even know the true consequences of a choice. So, the best answer I have been able to come up with at this point in my life is to try and define what good is and to the best of my ability to evaluate every opportunity for community involvement to determine whether it is or is not good. I don’t have (and probably cannot get to) certainty in this realm because of the limits that we have as humans in modern society to determine the full consequences of our actions, especially when they only manifest themselves in the future. 3. If community involvement does matter, and we have identified a way to determine that our actions have a positive effect on our community, why should we care enough to actually do it? This is where I begin to really love this question and to truly enjoy the fact that I have the opportunity to work at Hunking Law. Modern business includes a healthy appreciation for “goodwill” that a brand has generated within the community. This is because people will buy products from companies they like before they will buy equal products from companies they do not like. Thus, I am blessed to be in a position where I get to spend time helping my community, and it also happens to be a justifiable use of business time. Additionally, because attorneys resolve conflict on behalf of humans, I spend a lot of time engaged with human conflict. As a result, it is a very welcome reprieve to go and repack diapers with the United Way of Lane County or help Corvallis Housing First as opposed to engaging with human conflict. Thus, I can additionally justify spending Hunking Law time on community involvement by the impacts it has on my employees (and selfishly, myself). Further still, my firm is filled with very competent people who would likely be very good at any task no matter what we decided to focus our attention on. I often say that we would be very good medical debt collectors if that is what we chose to do with the firm. But because we recognize that we can pick whatever mission we want (so long as it works within the bounds of capitalism) we get to choose how we spend our time and we chose the mission: “To export the greatest amount of justice, goodness and fairness as we can into the world.” Because I am blessed to work with good people who would choose to spend their time working on that mission, we get the pleasure of being able to spend our time helping people resolve car crash cases against insurance companies. I get to help an individual person each day deal with what is potentially the worst experience of their lives. And on top of that I get to go out into the community and make it better and safer and hopefully to make the future a little brighter. As a result, not only does community involvement matter, but I get the privilege of being able to spend my time and money on community involvement to try and make the Willamette Valley the best community it can possibly be. What is Hunking Law doing right now to support our community? Now through June 26th, we are collecting grooming and dental care essentials at our Corvallis office in preparation for Vina’s Back to School later this summer to ensure Benton County students have what they need to be confident and comfortable in the classroom. See this video if you’d like to learn more about how you can help!
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