It’s not fair!! When it comes to claims, what happened in an accident matters less than what is documented… Insurers are more accepting of injury claims which are well documented in medical chart notes. Why? Because real time documentation is strong evidence of what really happened and because insurers know folks are most truthful when…
You paid thousands in insurance premiums and have presented few, in any, claims until now. As a loyal customer you innocently believed that if someday you made a claim, it would be promptly and fairly resolved. Wrong! Instead of quick claim resolution, you were delayed, denied and treated like a petty criminal. Instead of prompt claim…
“Can an insurance company really do that?” is a question I am regularly asked. With some exceptions (such as employer provided disability plans) insurers are regulated by state, not federal law. In Oregon, our starting point for assessing an insurer’s practices is Oregon’s Unfair Claim Settlement Practices Act found at ORS 746.230. To help you…
Thu November 13, 2008, 3:52 pm You have submitted a property loss claim or uninsured motorist claim [1] to your insurance company. So it can better understand the loss, your insurer asks to provide information and complete some forms describing your damage. You dutifully do so. Then, an overly legal letter arrives from your insurer. It requires…
On October 23, 2008 the Supreme Court of Oregon decided a case which will likely require many insurance companies to pay for diminished value of a vehicle caused by an accident. In the decision, Gonzales v. Farmers Insurance, Oregon’s highest Court stated: “We hold that “repair,” as used in the policy at issue in this case,…