On January 1, 2016 persons seriously injured in an Oregon motor vehicle crash will have access to more insurance proceeds when SB 411 becomes law. The new law will require the insurer for the driver at fault to pay the injured persons before repaying the PIP medical insurer. The new law will also allow the injured person to access the at fault drivers limits PLUS coverage under his own policy to the extent the at fault driver’s policy is insufficient to pay the loss. This change will be a huge help to auto injury victims.