Portland Legal Services - Joanne Reisman, Attorney at Law
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Automobile Accidents, Personal Injury

Avoiding or Reducing Medical Bills Not Covered by Insurance

The first thing to check for is to be sure that the medical location and the medical providers are in your Network.  Be careful with the myriad of convenient urgent care clinics that are springing up all over the place in shopping malls, in pharmacies, and at other suburban locations.  If the care facility is not specifically contracted with your medical insurance network it is not likely to be covered.

Medical Services that aren't covered are often billed at the highest prices for medical services.

Public Bodies, The Invisible Defendants in Auto Accident Cases and the Importance of Tort Claims Notices

There can be situations where some or all of the blame is unjustly placed on an injured driver for causing an accident and the conditions of the roadway, where the accident happened, are not fully considered.  A thorough accident investigation should identify all parties who might share the fault, including whether a public body, charged with building and maintaining the particular roadway, failed to perform some act that they had a duty to perform.  Public bodies have a lot of discretion as to how they build and maintain roadways so it is not automatic that they will have liability for their lack of preemptive action.

New Oregon Law improves UM UIM Auto Insurance Coverage IF your policy is issued or renewed on or after January 1, 2016!

Very Very Important - All Oregonians will want to make sure their automobile policy is technically renewed or issued as close to January 1, 2016 as they can get it done.  Why?  

Well there was a new law passed this year that goes into effect as of January 1, 2016.   Known as Oregon Senate Bill 411, or referred to by us attorneys as the "UIM stacking legislation", this new law will actually improve your auto insurance coverage if your policy is  issued or renewed on or after January 1, 2016.

Why you need a lawyer to help you settle your Personal Injury Claim

In most accidents, like when you are rear ended, it is not going to be an argument about who is at fault.  The argument is going to be about the amount of damages.  Insurance companies have a deliberate and carefully orchestrated plan to minimize how much they will pay out and it starts with the adjuster from the insurance company for the other driver car calling you and saying she or he is so sorry to hear about your injuries and they will take care of you - all you need to do is give them a recorded statement and sign some documents so they can view your medical records.

Tips regarding Oregon's Minimum Liability Insurance Coverage

Oregon driver's insurance policies must offer a minimum of:
Bodily injury and property damage liability​
$25,000 per person;  $50,000 per crash for bodily injury to others; and
$20,000 per crash for damage to others property​
State law also requires every motor vehicle liability policy to provide:
Personal injury protection (for reasonable and necessary medical, dental and other expenses
incurred up to 1 year after the crash)​ $15,000 per person.  (Coverage for lost wages up to $3,000 a month for up to one year is also part of PIP and is in addition to the medical coverage.

Auto Insurance - Important to Know!

Let's talk about Auto insurance and three of the most important things to know:


1.  Don't drive without insurance, even if you are a good driver:If you get into an accident and don't have insurance, and the accident wasn't your fault, an attorney would have a very hard time representing you to help you recover for your damages because Oregon law prevents uninsured driver's from recovering pain and suffering damages. (There is an exception if you were insured and the insurance has just recently  lapsed.
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