How to use your Personal Injury Protection (PIP)

When you bought your insurance policy, if you are like most people in Oregon, you were thinking you were getting liability coverage, so if you caused a crash and injured someone, your insurance would take care of them.  But your insurance also contains “personal injury protection.” known as PIP. The idea behind PIP is that […]

Medical Liens and the Importance of Negotiation

Medical Liens and the Importance of Negotiation

If your health insurance or your auto insurance (PIP) pays your medical bills due to an injury that was someone else’s fault, and then you get a settlement from that person (or their insurance company), then your insurance company (that pays your medical bills) has the legal right to get back the money they paid […]

The Basics of Liability Insurance

The Basics of Liability Insurance

Every driver in Oregon is required to have liability insurance.  Liability insurance is meant to protect you if you are legally responsible for an automobile accident. If you are driving and hurt someone else, your liability insurance will provide you with a lawyer, and will pay the injured person whatever amount he or she is […]

The Basics of Auto Insurance Policies

The Basics of Auto Insurance Policies

If you’ve been in an accident, you will find yourself fielding calls, letters, and bills from multiple insurance companies. You may get confused, talking to the other driver’s insurance company, thinking it’s your own. It’s easy to make mistakes, and feel overwhelmed. We hope that laying out the different types of insurance will help you […]

What is Underinsured Motorist Insurance?

What is Underinsured Motorist Insurance?

When you bought your insurance policy, in addition to PIP and liability coverage, you also got underinsured motorist insurance (UIM). If someone else hits you and causes $150,000 worth of injuries, but only has $25,000 worth of insurance, UIM will make up the difference, but only if you have UIM policy limits of $150,000 or […]

What are my legal rights if I was injured at work?

What are my legal rights if I was injured at work?

Employers are required to provide their employees with safe working conditions in a healthy environment. If an employer fails to meet this criterion, then an employee may be injured as a result. Even in the safest workplaces, accident can still occur. To protect your rights if injured at your workplace, the first step is to […]

Tips for Negotiating with an Insurance Company

Tips for Negotiating with an Insurance Company

After you file a personal injury claim and submit a demand letter to an insurance company, it is time to negotiate. When you present an organized demand letter and proper documents, then the process will begin with a few phone calls with an insurance claims adjuster. Below are the steps in various stages of the […]

How do you negotiate a personal injury settlement?

  If you were injured in an accident due to someone else’s negligence, you can be compensated for your losses. Determining the right value to settle your injury claim can be difficult. Before you begin the settlement process you must speak to a doctor to determine the type and extent of your injuries. This way […]