Personal injuries are bodily or mental injuries caused by another person or object. If you are accused of causing a personal injury and choose to take the help of the Law for proving that you are not responsible, it can mean a long legal battle. Most people use their personal money to fight personal injury cases and soon they are exhausted of all financial resources. This is where personal injury liability insurance comes into picture.

Liability insurance is an insurance policy that provides insurance coverage for a person or an entity from claims initiated by someone. This kind of insurance is also applicable for Oregon personal injury liability. That means a person can take a policy if he is expecting to be sued for causing personal injury. The insurance company will pay the claim settlement for the injury caused. It should also pay the legal costs of fighting the personal injury law suit.

Personal injury liability insurance policies state the maximum amount that the insurance company would pay in case of a claim. To cover any additional claim amounts, the insurer can go for umbrella liability. Personal injury liability insurance covers the medical, hospital and funeral expenses of the insured, others in his vehicles and the pedestrians struck by him.

Liability insurance is very popular because it is less expensive than several other insurance policies. This is especially so with regard to auto insurance policies which are relatively cheaper than full coverage policies. A full coverage liability insurance policy would however cover damages for all the vehicles involved in the collisions, medical expenses for the first party as well as the other party, and any property damages. A regular liability insurance policy, on the other hand, would cover only the other party