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.
To avoid becoming a scam victimregard any call or email that asks any personal, business or financial information including a request to verify information as a possible scam!
Any legitimate callers or emailers will be willing to assist you in verifying that their calls or emails are legitimate. If they are pushy, anxious, evasive, or demanding when you ask questions or don't want to help you verify their identity or business legitimacy - they are scammers!
Here are the steps you need to take right from the start.
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.