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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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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