3 Tips for Dealing with Insurance Companies After an Oregon Car Crash

Navigating the aftermath of a car crash can be a daunting task, especially when dealing with insurance companies. Insurance Companies in Oregon are focused on minimizing the amount of money you get, which can leave you feeling overwhelmed and at a disadvantage. However, with the right approach, you can enhance your negotiation skills and secure a fair settlement. Here are three tips to help you effectively negotiate with insurance companies after a car crash.

Document Everything

The importance of thorough documentation cannot be overstated when negotiating with insurance companies. From the moment the accident occurs, start collecting and preserving evidence. This includes gathering information at the scene, such as exchanging contact details with the other party involved, taking pictures of the vehicles and the accident scene, and noting the names and badge numbers of responding law enforcement officers.

Additionally, keep a detailed record of all medical treatments, expenses, and any related receipts. This documentation serves as tangible evidence of the extent of your injuries and the financial losses incurred. Insurance companies often rely on these records when assessing the validity and severity of your claim. By presenting a well-documented case, you strengthen your negotiating position and provide a clear picture of the impact the accident has had on your life.

Also, document when you speak with an insurance company and who you speak with. If you are using the insurance company’s app then screen shot the correspondence to preserve the communication. Preserve all email correspondence with the insurer. This information is invaluable so you don’t feel overwhelmed with trying to remember what you have previously discussed or sent in. It is fairly common for insurers to deny receiving documents or correspondence.

Understand Your Policy and Rights

One common mistake individuals make when negotiating with insurance companies is not fully understanding their insurance policy and legal rights. Take the time to carefully review your policy to know the coverage limits, deductibles, and any exclusions that may apply to your situation. Knowledge is power, and being well-informed allows you to speak confidently during negotiations.

Moreover, familiarize yourself with the laws and regulations governing insurance claims in your jurisdiction. Each state may have different rules regarding fault determination, deadlines for filing claims, and limitations on damages. Armed with this knowledge, you can assert your rights effectively and challenge any unjust denials or lowball offers from the insurance company.

Consider Seeking Professional Assistance

Insurance negotiations can be complex, and the tactics used by insurance adjusters may catch you off guard. Insurers that can make the process more stressful and overwhelming know that you are likely to take a low settlement offer to avoid future stress and frustration. In such cases, enlisting the help of a skilled attorney such as Ross Law LLC experienced in car crash cases can make a significant difference. Personal injury attorneys, such as Jeremiah Ross, specialize in negotiating with insurance companies and can advocate on your behalf to ensure you receive a fair settlement.

Attorneys possess the legal expertise to interpret policy language, assess the true value of your claim, and navigate the complexities of the negotiation process. They can also handle communication with the insurance company, alleviating the stress and burden on you. While legal representation may involve fees, the potential increase in your settlement often outweighs the costs, making it a valuable investment in securing a just outcome. If you have questions regarding your personal injury case call Ross Law at 503.224.1658.

Conclusion

Negotiating with insurance companies after a car crash requires a strategic and well-informed approach. By documenting everything, understanding your policy and rights, and considering professional assistance, you can enhance your chances of reaching a fair settlement. Remember, the key to successful negotiation is being well-prepared and assertive in advocating for your rights and compensation.

Please remember this blog post is for informational purposes only. Please consult with an attorney regarding your Oregon personal injury case to ensure all of your rights and obligations are understood.

3 Tips For Dealing with Portland's Snow:

Rumors of Snowmageddon are back. People seemed obsessed with the weather apps that are all showing the highly sought after snowflake graphic for Portland on Tuesday, Wednesday, and Thursday of next week. As Oregonians, we know that it is very difficult for meteorologists to predict snow in the Willamette Valley, but things look to be shaping up for snow to fall next week. Below are three tips to help deal with the snow (if it actually snows):

1) Be Informed: News Stations are using the threat of an impending storm to draw people in. That is why there is so much news chatter about Snow. As a result, I don’t pay attention to the snow or news meteorologist (even though some of them are pretty good.) If you want the true most reliable forecast to go to the source, The National Weather Service. Their web-site does a fantastic job, but their twitter feed is EPIC for keeping informed about snow and road conditions. Click Here for the National Weather Service Portland’s Epic Twitter Feed or follow them @NWSPortland. Click here for the National Weather Service Web-Site.

2) Be Prepared:

• Your Vehicle: Ensure the vehicles have a full tank of fuel for Monday and Tuesday’s commute. You do not want to be stuck in one of Portland’s infamous traffic jams without and run out of gas. Ensure you have a blanket and some snacks in your vehicle in case you get snarled in standstill traffic during your commute. Ideally, your vehicle should have tire chains and/or All Wheel Drive or Four Wheel drive. If you use chains you should practice putting them on this weekend. This ensures that you can put them on when you need to.

• Your Home: Ensure you have enough food at home. Remember to have food that can be prepared without electricity, because the power often goes out during a snow storm due to tree limbs falling on power lines. (Click Here for the PGE Outage Map) Be careful with heating your home with kerosene heaters, as they pose a fire risk and remember to ventilate your home. Click here for Kerosene heater safety tips. Also, remember to cover your exterior pipes and water facets so they don’t freeze.

• Your Sidewalk: Ensure you have a snow shovel or rock salt to clear your sidewalk. Remember the Portland City Code REQUIRES YOU to remove ice and snow on your sidewalk. At Ross Law we have represented people that have fallen and injured due to people failing to clear the sidewalk of ice and snow. Removing ice and snow from your sidewalk is the easiest way to avoid the guilt of knowing that your negligence injured someone and the hassle of dealing with insurance companies and their lawyers.

3) Be At Home: Unless you have to leave your home then you should stay home to avoid the commute. Ask your boss if you can work from home. Many employers in the Willamette Valley let employees go early to avoid the commute. If you have kids remember to keep up to date on their school’s closures as they often get released early.

Hopefully, everyone will be safe and avoid the disasters of the past snow events. However, if you find yourself needing a Portland Personal Injury lawyer please call Ross Law PDX at 503.224.1658 for your free personal injury case evaluation. Jeremiah Ross has represented people that were injured in car crashes in the snow and ice, and people that have fallen on slippery sidewalks.

6 Fatal Traffic Crashes In 4 Days in Portland! WTH Portland Drivers?

SIX fatal traffic crashes have occurred in the past FOUR DAYS in Portland Oregon! As an Oregon wrongful death and personal injury lawyer this is extraordinarily alarming. Each and every one of these heartbreaking deaths were likely preventable if people used common sense and simply followed the law while they were driving. Portland Police Bureau Chief Outlaw is warning, “Drivers [to] slow down, don’t drive impaired/distracted. Bikes and peds use caution-don’t assume drivers see you.”

Chief Outlaw also warned that the PPB is going to stepping up traffic enforcement. Portland drivers take note that you may be ticketed for what you perceive as a minor traffic violation (driving 10 miles over the speed limit, rolling through a stop sign, failing to stop while a pedestrian is waiting at a cross walk.) Hopefully increased enforcement will work to change Portland driving behavior.

Law enforcement are not the only folks out there trying to change Portland’s driver’s behavior. Here at Ross Law, we believe that it is our duty to use the civil justice system make our community a safer place by holding wrongdoers accountable and hopefully deterring people from driving negligently, carelessly, or recklessly. We do this by filing lawsuits against the bad drivers that injure our clients. This will hopefully force the bad driver, their family, and their friends to change their driving behavior. We know that it is not easy to be sued and explain your actions that injured or killed someone. We use the civil justice process to attempt to force bad drivers that injure our clients to own up to what they did, and be held responsible by having to explain their actions, and admit they were at fault. Additionally, their insurer will have to pay to compensate the person they injured. We wholeheartedly agree with Chief Outlaw that drivers need to slow down, don’t drive impaired or distracted, and cyclist and pedestrians should be cautious on the roads.

If you or someone you know have been injured or killed in a Oregon motor vehicle crash, call Jeremiah Ross at 503.224.1658. Call Ross Law for your free personal injury case evaluation. We proudly represent people injured in car crashes, bicycle crashes, and pedestrians that were struck by a vehicle.

Where Does Oregon Rank on "The States with the Worst Drivers"

As a personal injury lawyer, I often hear about Oregon's worst drivers.  Oregon's drivers can do some incredibly dumb things that often result in injuring others.  A recent survey from SmartAsset (a tech/finance company) has ranked the States' drivers from best to worst.  Oregon ranks number 26 on the list. The optimist in me says that we are lucky to live in Oregon, because there are 24 States that have more terrible driving habits than Oregonians. However, the reality isn't so rosy.  Oregonians have serious room for improvement, to drive safer and reduce traffic caused fatalities and injuries.  The survey also noted some interesting facts about Oregon Drivers: 

1) Only 83.3% of Oregon drivers have insurance.  All vehicles are required by law to be covered by insurance, so this is a troubling statistic.   This is why it is imperative to have sufficient uninsured ("UM") motorist coverage on your auto insurance policy. The State minimum $25,000.00 is likely not enough to cover you if you are in a crash.  Click here to learn three things you should know about Oregon's Auto insurance. 

2) For every 1,000 drivers in Oregon 3.16 of them will be arrested for DUII (Driving While Under the Influence of Intoxicants).  This is also a troubling statistic because this is for DUI arrest, not the actual number of DUII drivers.  This statistic is not surprising to me because I regularly represent people that were injured by DUII Drivers.  In case you were curious, North and South Dakota both top the charts for DUII arrest with over 11 DUII arrests for every 1,000 drivers.  

CAUTION THE LANGUAGE IN THE VIDEO MAY BE OFFENSIVE and IS NOT ENDORSED BY ROSS LAW

3) 1.3 people will die in Oregon Roads for every million vehicle miles traveled.  To put it another way, 2 people will die on Oregon Roads after all of the vehicles in Oregon travel a combined 3 million miles.  These wrongful deaths become more frequent as more people move to Oregon and more people drive in Oregon.  As of May 2018, 17 people had died in traffic crashes.  Things are not looking better for the remainder of the year. For example, last week a motorcyclist was killed near the St. Johns Bridge. Almost all of these wrongful deaths are completely preventable if drivers simply obey the rules of the road.  or the 

If you were wondering where the worst drivers are, well here it is.  According to Smartasset the states with the worst drivers are:

1) Mississippi

2) Tennessee

3) California

3) Missouri (Tied with California)

5) New Mexico

5) Texas (Tied with New Mexico)

7) Alabama

8) Florida

9) Alaska

10) Arizona (Tied with Alaska)

Click here to read more about the survey and the methodology they used. Remember if you or someone you know where in an Oregon car crash call Portland Personal Injury Attorney Jeremiah Ross at 503.224.1658.  Ross Law PDX provides free case evaluations for wrongful death and personal injury matters.   Jeremiah Ross also represents people in disputes with their insurance company in uninsured motorist claims, underinsured motorist claims, and personal injury protection benefits claims.  Please note that Jeremiah Ross, and Ross Law PDX, do not have any affiliation with Smartasset, nor have they confirmed any of the statements or statistics are accurate. 

Be Safe This Memorial Day Weekend!

39.3 million people are expected to travel in the U.S. this Memorial Day weekend.   These travelers will travel by car, plane, boat, and train.   The vast majority of travelers are going to hit the road and drive to their destination.  This increased traffic is likely to increase the risk of people being injured and killed on Oregon's roads.  However, the roads are not the only dangers people should be aware of.  Every year people (usually children) get seriously injured in incidents involving barbecues and fire-pits.   Many people will also put their boats in the water for the first time this year.   Boat crashes are not uncommon.  It also seems like almost every year people drown in Oregon's beautiful rivers and lakes.   Most of these incidents are avoidable if people exercise common sense, and don't drink too much alcohol. Please exercise common sense and be aware of the dangers that are out there this weekend as you are celebrating Memorial Day.

If you or someone you know has been injured by the negligence of another, call Oregon personal injury attorney Jeremiah Ross at 503.224.1658 for your free case evaluation.  Ross Law PDX represents people in various types of personal injury cases throughout Oregon.  Please remember this post could be considered personal injury attorney advertising.   

Please Drive Safe! 17 People Have Died in Portland Traffic Crashes So Far

This year has been a deadly year on Portland's roads.   According to Oregonlive, as of May, 17 2018 people have died in traffic-related crashes in Portland alone.   Pedestrians are the most vulnerable road users, so far 9 pedestrians have been killed in traffic-related incidents so far.   Motorcyclists are also susceptible to injury or death due to the fact they have minimal protection in a crash.  4 Motorcyclists have been killed in traffic crashes so far.   Three people that were in motorized vehicles have also died in traffic crashes so far.  One cyclist has been killed by a vehicle this year.

These tragic deaths highlight the need for Portland's drivers to remain attentive.  Drivers need to get off of the phone, stay alert, look for pedestrians and cyclists, and slow down.  We all know we need to do this, but the consequences of a driver's "mistake" are tragic. 

If you or someone you know was injured by another driver's negligence call Ross Law LLC.  Portland Personal Injury Attorney Jeremiah Ross represents cyclists, pedestrians, motorcyclists and drivers who have been injured in Oregon traffic crashes.  Call Jeremiah Ross at 503.224.1658 for your free case evaluation.   

A Personal Injury Lawyer Can Help With Medical Providers

Roughly once a week someone takes the time to send a Thank You card to my office.  Many come from clients.  Some come from vendors.  Sometimes they come from medical providers.  This week I received a lovely card from a Chiropractor.  The Chiropractor had been the treatment provider for a car crash client in a case I was involved in.  The case went to trial and he testified on behalf of our client. A couple of weeks after the trial we had lunch to discuss the trial.  During the conversation, we also started to discuss how Oregon personal injury lawyers should be assisting their clients with medical providers.  Things like billing issues, referrals, and obtaining medical records were all topics of discussion.

Many of my Personal Injury clients already have a medical provider when they come to see me.  If that is the case then I do my best to help the provider with any insurance billing issues they may encounter.  This allows my client to focus on getting better and the provider can deal with my office that regularly interacts with insurance companies. 

My office can also work with a provider who is treating a client who had their personal injury protection benefits terminated by their insurance company.  There are various ways to do this, but often the medical provider is concerned about payment for future services, so it is my office's responsibility to assuage those concerns and do my best to force the insurance company to reinstate PIP medical benefits. 

Occasionally my personal injury clients will ask for a referral to a medical provider.  I do not have a common referral list, but there are some providers that I have told my clients to steer clear of.  At the end of the day, the client needs to be with a provider that they feel comfortable with.  

If you, or someone you know, has been injured by another and need a free case evaluation call Portland Oregon Personal Injury Attorney Jeremiah Ross at 503.224.1658.  At Ross Law LLC we do our best to help people injured in Car Crashes, Bus Crashes, Trucking Accidents, Bicycle crashes, Bike Crashes, Motorcycle Crashes, and dangerous premises cases.  Please remember this post, this blog, and website can be considered ATTORNEY ADVERTISING. 

5 Myths About Concussions & Car Crashes

Last week I attended the Brain Injury Alliance of Oregon's annual Conference.  It was fascinating to hear about the current state of the medical science from medical experts.  Most of the speakers addressed some of the misconceptions about brain injuries.  Many of these misconceptions affect people injured in car crashes and other accidents.  Brain injuries can be called various names depending on who you talk to.  Concussions, Traumatic Brain Injuries, TBI, Mild Traumatic Brain Injuries, Mild TBI, MTbi, post-concussive syndrome are all various names for brain injuries.  These brain injuries are very common in car crashes.  Concussions and Mild TBI can occur in low speed rear-end collisions.

Myth 1:  You must Lose Consciousness to have a Mild Traumatic Brain Injury (MTBI).  According to the CDC and the recent medical literature, this is flat out wrong.   A person need not lose consciousness, get "knocked out," or "black out" to have suffered a concussion.   The CDC notes, "[M]ost concussions do not result in a loss of consciousness. Not being able to remember events (amnesia) prior to, or following the injury, for a period of time is another sign of a concussion. Yet, some people simply feel dazed or confused."  

Myth 2:  X-Rays, MRIs, and CT Scans Always Show a Mild Traumatic Brain Injury. According to medical literature, this is also FALSE.  That is why many medical providers at the emergency room will not order medical imaging for people who exhibit post-concussive syndrome or Mild TBI symptoms after a motor vehicle crash.   There are various medical tests that can be administered to diagnose a concussion and MTBI, but imaging is not reliable enough to diagnose many mild TBIs.   Click here for more information.

“Symptoms of a Concussion after a Car Crash
1) Thinking/Remembering: Difficulty Thinking Clearly and remembering after the crash.
2)Physical Problems: a Headache, Nausea, Balance Problems, Blurry Vision, Feeling Tired, Sensitive to Noise and Light.
3) Emotional/Mood: Irritable, Sad, Nervousness
4) Sleep DIsturbance: Sleeping more or Less than usual.”

— Center for Disease Control

Myth 3:  Mild TBI Symptoms or Concussion Symptoms Appear Right After the Car Crash:  According to the Mayo Clinic, concussion symptoms may be delayed for hours or days after the injury.  This means that you can be in a car crash on Monday and your concussion symptoms may not appear until Friday.  

Myth 4: You Must Hit Your Head to Have a Concussion or Mild TBI:  According to the CDC's definition of a concussion/mild traumatic brain injury this is also FALSE.  The CDC affirms, "A concussion is a mild form of traumatic brain injury (TBI) caused by a bump, blow, or jolt to the head."  The "jolt to the head" portion of the definition affirms that a person does not need to strike their head, but only needs to have their head jolted.  This "jolt" is very common in car crashes.  Especially in rear-end collisions.

Myth 5:  Insurance Companies Are Aware of the Above Myths and Will Compensate You for Your Crash Caused Concussion:  This is flat out false. I have witnessed Insurance companies use the concussion myths at trial and during settlement negotiations. Specifically, Insurance companies use outdated science and medicine to try and convince people that they could not have had a crash caused concussion or MTBI if they did not lose consciousness.  Insurance companies will also claim that a person could not have a concussion if they did not hit their head in the crash.   

Insurance Companies will assert that because there is no Medical Imaging showing a Concussion or Mild TBI then it did not occur.  Insurance companies often use hired guns that are neuropsychologist to claim the person has a psychological issue that is causing the symptoms, and the symptoms are not related to the crash.  In short, they will claim a car crash victim with a Mild TBI is either malingering or suffering from a psychiatric condition causing the symptoms.   This is why it is imperative for you to consult with a personal injury lawyer if you have a concussion or mild TBI and are involved in a motor vehicle crash. 

Please call Jeremiah Ross at Ross Law PDX at 503.224.1658 for your free case evaluation.  Jeremiah Ross has experience with Traumatic Brain Injury Cases and Mild TBI/Concussion cases and will do his best to fight to get you full compensation for your crash caused injuries. Please remember to CONSULT WITH A MEDICAL PROFESSIONAL if you think you have a head injury or any other medical condition.  This post is for informational purposes only.  The definitions and medical science are constantly evolving so please keep that in mind.