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.

Jeremiah Ross Honored by Law School

California Western School of Law recognized Oregon Personal Injury Lawyer Jeremiah Ross for being selected as an Oregon Super Lawyer in the Personal Injury Category.

“Jeremiah, you are an inspiration to all of us and a major force for good in the legal profession.”

— Sean M. Scott, President and Dean of California Western School of Law

If you or someone you know is in need of an Oregon Personal Injury Lawyer call Ross Law at 503.224.1658 for your free personal injury consultation. Please note blog posts may be considered Attorney Advertising.

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.

Jeremiah Ross Votes to Approve The 2018 Final Report on the Task Force on Autonomous Vehicle

After numerous meetings, hours of reviewing documents, and collaborating and discussing issues with others, Oregon’s Task for On Autonomous Vehicles unanimously voted to approve a 2018 Final Report to the Oregon State Legislature. I was honored to represent consumers on this committee and protect their interests on the Liability and Insurance Sub-Committee. In addition to myself there was only one other personal injury lawyer on the committee and I was proud to be the only Consumer lawyer on the committee. The Report will now be forwarded to the Legislature to assist them in formulating laws and policies regarding Oregon’s Autonomous Vehicles. Click here to review the full task force on Autonomous Vehicles 2018 Final Report.

If you or someone you know has been injured in a crash with an Autonomous Vehicle Call Oregon Personal Injury and Consumer& Auto Fraud Attorney Jeremiah Ross at 503.224.1658 or Ross Law LLC. Please remember this post is for informational purposes only and that it can be considered ATTORNEY ADVERTISING.

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. 

What People Injured in a Crash Should Know About Oregon's Minimum Auto Insurance Limits

I often represent people that have been injured by a bad driver that told them at the scene, "don't worry I have full coverage."  This term really doesn't mean much in the world of personal injury law.   Oregon has specific requirements regarding what should be in automobile insurance policies such as personal injury protection benefits (PIP), uninsured/underinsured (UM/UIM) motorist coverage. The law also imposes the minimum limits for each bodily injury insurance policy in Oregon.  The relevant law on minimum insurance limits provides:

     ORS 806.070 Minimum payment schedule. (1) This section establishes a schedule of payments for the following purposes:

      (a) An insurance policy described under ORS 806.080 must provide for payment of at least amounts necessary to cover the minimum required payments under this section to qualify for use for financial responsibility under ORS 806.060.

      (b) A person who is self-insured under ORS 806.130 must agree to pay according to the payment schedule established by this section.

      (c) The payment schedule is the minimum required payment of a judgment for purposes of ORS 809.020, 809.130 and 809.415.

      (2) The schedule of payments is as follows:

      (a) $25,000 because of bodily injury to or death of one person in any one accident;

      (b) Subject to that limit for one person, $50,000 because of bodily injury to or death of two or more persons in any one accident; and

      (c) $20,000 because of injury to or destruction of the property of others in any one accident. 

What this means for most injured people is that if they have a crash caused injury, the maximum they may be able to collect from the bad driver is a mere $25,000.00.  This sounds like a lot of money.  However, $25,000.00 can go quickly if you incur crash caused medical bills and are missing work. 

If you and two or three other people were injured in the same crash, the bad driver will only pay a combined total $50,000.00 to the injured people.  That will be divided up between them.   A lawyer should be involved if that is the case.  These are also important numbers when you are dealing with the bad driver's insurance company. 

If you or someone you know has been injured in an Oregon car crash, call Portland personal injury lawyer Jeremiah Ross at 503.224.1658.  Ross Law PDX provides free personal injury consultations. Please remember Oregon's personal injury laws and insurance laws are constantly changing.  DO NOT Solely rely on this post for information, look at the current law. Please consult with a lawyer.  This post is not intended to be legal advice and can be considered attorney advertising. 

PUT THE PHONE DOWN! Penalties for Using Your Phone and Driving Are Increasing

I have written a few articles on the dangers of texting and driving.   Last year bills were passed in Oregon that were intended to curb the distracted driving epidemic.   The new law closed a loophole regarding texting and driving so that it prevents people from driving with a mobile device in their hands.  More importantly, the Oregon law raised the penalties for people that can't resist the urge to use their mobile device while driving a vehicle. 

The new law takes effect on July 1, 2018, and will subject some violators to a fine of up to $2,500.00 and six months in jail.  More specifically if a habitual distracted driver is convicted of three offenses in ten years they will face a fine of $2,500.00  and six months in jail. First-time offenders are looking at a minimum of a $130.00 fine.   (Click here to read more on distracted driving penalties.)

It is a no-brainer that it is unsafe to use a mobile device and drive, but people still do not get it.  People know that distracting driving kills people.  People know they can be fined.  People also know that personal injury lawyers like myself will use the civil justice system to hold distracted drivers accountable.  However, drivers continue to use their mobile devices while driving.  Hopefully, this new law will help pound it into people's heads that distracted driving will not be tolerated.  It is simply too dangerous. 

If you, or someone you know, has been involved in a car crash with a person that was using their phone while driving, call Portland personal injury lawyer Jeremiah Ross.  Ross Law PDX offers free case evaluations to persons injured in car crashes on Oregon's roads.   Please do not use this post as legal advice, as the law is constantly changing. Please consult with a lawyer if you are involved in an incident involving distracted driving.  Please remember this blog may be considered ATTORNEY ADVERTISING.

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.