Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Four – Neck and Back Injuries, and the Feeding of Colossus

This will supply hints on how to “feed” computer programs used by insurance companies to evaluate personal injury claims. Providing value-creating medical data concerning your neck and back injuries to insurance companies, you can make sure you get the full value for your personal injury claim. Your doctors – physicians, chiropractors, and osteopaths – can help you do this.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Three – Computer Programs, Including “Colossus”

This blog post addresses a “secret weapon” that an injured person faces when pursuing a personal injury claim. In evaluating a claim, most insurance companies use a computer program – most commonly, one called “Colossus” – to tell them how to value a claim. These computer programs work with medical-record data input by an adjuster. Whenever a computer program sees a particular key word – such as, for example, “fracture,” or “muscle spasm,” or “blurred vision,” or “muscle tenderness” – it assigns money value to a case.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Two – The Client

This collection of blogs addresses the many factors Oregon insurance companies consider when evaluating a personal injury claim. Many injured clients don’t initially think about it, but they are one of the factors insurance companies look at.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury or Auto Accident Claim – Part One – Property Damage

There are many factors insurance companies consider when deciding what to offer someone for their Oregon Personal Injury Claim . The presence or absence of these factors can sometimes be an obstacle to settlement or result in a lower offer. This blog post will discuss two common factors insurance companies often consider when evaluating a motor vehicle personal injury claim.

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Why Oregon Consumers Can't Sue Insurance Companies for Bad Conduct

Oregon protects consumers who are mistreated by businesses with a state law called the Unlawful Trade Practices Act. Consumers who are tricked, abused, defrauded or otherwise treated unfairly have a number of remedies under this law. There is only one type of business that is exempt from this consumer protection law: Insurance companies have been exempt since the law was passed in 1971. Banks were exempt until 2010, when bank misconduct leading to the recent recession led to the removal of their exemption from Oregon law.

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Medical Bills After a Motor Vehicle Accident – What to do when your Insurance Company Refuses to Pay

Under Oregon law your own auto insurance carrier will usually pay your post-accident medical expenses under Personal Injury Protection, or “PIP.” If the at-fault driver has insurance, that driver’s carrier will reimburse your insurance company at the end of the case.

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Medical Examination after a Car Accident – My Automobile Insurance Company Wants to send me Their Doctor

If you have been injured in an auto accident and your automobile insurance is paying your medical bills under your Personal Injury Protection (“PIP”) benefits, there are occasions when your own company will ask you to attend what they call an “Independent Medical Examination” (“IME”) by a doctor of their choosing.

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Medical Release Form from Insurance Companies – Should I sign it after an Auto Accident?

If you have been in an auto accident and you have been injured, one or more of the insurance companies involved may send you a medical release form in the mail. They will suggest that they need to get your medical records to evaluate your claim. If another driver is at fault and it is the other driver’s insurance company sending you the medical release, you should think twice before signing it.

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Who Pays for the Auto Repair to my Car in an Accident? My Company or Theirs?

If your car has been damaged in an Oregon auto accident and the other driver is at fault, you may have a choice of insurance companies to pay for your repairs. If you have collision coverage on your policy, you can have your company pay for the repairs, less your deductible.

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Personal Injury Claims Advice – Part Two

In the first blog post we discussed the “statute of limitations” for many tort claims (not all) in Oregon. The second piece of advice we give to all clients with personal injury claims relates to when someone should settle their claim.

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