Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Eleven – The So-Called “Independent” Medical Examiner, and the Myth of the “3-Month Healing Ceiling.”

This post addresses a prevalent myth that drives down claim value, and how insurance companies manage to exploit it, the myth being that “soft-tissue injuries heal in 3 months or less.” Insurance companies are able to do this by hiring a so-called “independent medical examiner” or “IME” to review injuries and give their “independent” opinion.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Ten – Duties under Duress

This blog post addresses an instance in which a person recovering from injuries often works in pain. Under certain circumstances, an insurance company will consider this factor as a damage sustained by an injured claimant, and will compensate the claimant for the damage.

This damage must be clearly shown to the insurance company. Key questions are, “Is it necessary that a person perform a particular activity?” and “Does it exacerbate pain?” Answers to questions like these should be properly documented in your medical records and demand letter.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Nine – Pre-Existing Condition

This blog is intended to clarify how an insurance company should treat a personal injury claim that involves a pre-existing condition or injury. In short, a company should add value to a claim – not subtract it – when the claim involves a pre-existing condition that is documented in a meticulous fashion. Otherwise, the common rumor does hold true – that an insurance company will greatly devalue, or even refuse, a claim that involves a pre-existing condition.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Eight – Loss of Motion-Segment Integrity

This blog addresses the factor that is the 2nd-biggest driver of value in a personal injury claim, Loss of Motion-Segment Integrity. A Loss of Motion-Segment Integrity, or LMSI, is a ligament-instability injury to the spine. Stability, or integrity, is lost in a spinal segment when an injury alters the normal range of motion for the segment – either by decreasing it or by increasing it.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Seven – AMA Permanent Impairment

This blog addresses the biggest value-driving factor that an insurance company considers in an Oregon personal injury claim. Not surprisingly, documentation for this type of personal injury isn’t easy, and without adequate documentation, a claim of permanent impairment will fail.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Six – Female Anatomy

This blog addresses the fact that insurance companies consider differences in the way people are built. That is, insurance companies acknowledge that the same accident type will injure different people in differing degrees.
Studies show that simply by being female, a woman, statistically, is at twice the risk of injury if she is involved in an auto accident. A claimant who is female should make strong note of this fact in her personal-injury claim, by citing studies that show the 2-to-1 ratio.

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Factors Insurance Companies Consider When Evaluating an Oregon Personal Injury/Auto Accident Claim – Part Five – Whiplash

This blog addresses an injury sustained quite frequently by persons who have been in an auto collision. The cervical spine in a crash frequently is made to stretch rapidly backward, or extend, further than its normal range of extension, and in the next instant is bent rapidly forward, or flexes, further than its normal range of flexion. Whiplash medically is termed “hyperextension/hyperflexion.”

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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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