Articles Posted in Insurance Issues

Auto insurance coverage can be a huge benefit when your insurer performs as it should. Unfortunately, court dockets and opinions are full of instances where insurance companies refused to do what they should, either in violation of the contract they signed or in violation of the law. When you have suffered severe or catastrophic harm in a motorcycle accident, getting the full benefit of your insurance coverage can be crucial. When your insurance company isn’t performing as it should, an experienced Oregon motorcycle accident lawyer can provide invaluable aid.

Auto insurers can violate the law in several ways. Two common ones involve refusing to pay a claim that the policy required them to cover and writing a policy that violates state law. A recent motorcycle accident case from our local area is an example of the latter, and how the legal system was able to help.

S.C. was a Portland man who had just acquired a motorcycle. Eight days after making that purchase, S.C. fell victim to a circumstance that occurs to many motorcyclists: a vehicle driver negligently making a left turn into his path. The accident left the motorcyclist with severe injuries. As is often the case in serious motorcycle accidents, the totality of the harm S.C. suffered was greater than the liability limits of the other driver’s auto insurance policy.

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Getting everything that you’re owed after you’ve been seriously injured (or a loved one has been killed) in a vehicle accident can involve a long list of battles. Some of those battles may involve taking on your own auto insurer when they seek to avoid paying what they should. Whether you’re taking on an at-fault driver’s legal team or you’re taking on your insurance company, it pays to have an experienced Oregon auto accident lawyer on your side fighting these battles with you.

These battles can be especially important — and especially challenging — when your accident presents a need for a large sum in compensation.

A recent case involving several people injured in auto accidentsBatten v. State Farm Mutual Auto Insurance — makes for a good example of what we mean. One of those injured people, T.B., was severely hurt in a head-on crash. A different driver hit J.C. while he rode his bicycle, causing injuries that eventually killed him. Another driver hit the car in which L.C. was a passenger, causing severe injuries, and C.R. was a pedestrian severely injured when a fourth driver hit him.

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I have said it many times before, but it bears repeating: insurance companies are businesses, not charities. Careful attention to the fine print is important.

An obvious example of this is car insurance. All drivers need to carry it, and the law lays out in great detail what that insurance has to cover and at what level. I want to focus today on Personal Injury Protection, or PIP, insurance. Unlike many states, Washington does not require drivers to carry PIP coverage, though insurance companies are required to offer it as an option. If a Washington driver opts for PIP coverage the legal minimum level is $10,000 (in Oregon, at least $15,000 in PIP coverage is a requirement).

Though many Clark County, Washington drivers may be tempted to waive it, PIP coverage can offer essential financial help in the event of an accident. Washington law requires PIP claims to be paid within a few weeks of being filed. As an analysis by BikePortland explains “few are aware that after a collision an injured person’s automobile insurance pays medical bills first – before health insurance and before the at-fault driver’s auto insurance. The injured party’s own Personal Injury Protection coverage pays these bills.”

A two-vehicle accident involving a Portland police officer earlier this month merits special attention because of what it can teach us about civil options beyond workman’s comp available to people injured on the job.

The Oregonian reports that “a Portland police officer and another driver were seriously hurt” in a crash in I-205 earlier in March. “The officer was working a ‘static detail’ at a construction site on the northbound interstate south of Southeast Division Street when a driver hit the officer’s vehicle from behind. The officer was pinned in the vehicle and was extracted,” the newspaper writes. Injuries to both the officer and the driver of the SUV that allegedly struck his car are described as serious but not life-threatening.

From a legal perspective the officer now has some important choices to make. At this point most readers will rightly assume that the officer, having been injured on the job, will be covered under the police department’s workers’ compensation insurance program. That is true, but it is not the whole story. Under Oregon law the officer also has the right to hire his own attorney and can seek to recover non-economic damages related to the accident. “Non-economic damages” is a broad legal category that includes things such as pain and suffering and changes to the victim’s life. They do not include things like medical bills and lost wages and, as the legal resource website Justia explains “are less concrete than economic damages and are subjectively evaluated” whether by a judge or jury. (see link below) This element of subjectivity makes it especially important for anyone who has been injured in an accident to consult an experienced attorney who can walk victims and their families through the options and the evaluation process.

Nearly four years ago I first wrote about the obscure, but critically important, issue of “subrogation.” This legal doctrine allows insurance companies to reimburse themselves out of settlements their clients receive for covered injuries.

The incident I wrote about back in 2015 was a classic example of the problem. A baseball fan who was savagely beaten in a stadium parking lot and who now faces a lifetime of medical expenses won an $18 million settlement. His ongoing medical expenses mean that he will need that money. But his insurance company went to court to try to claim a significant portion of the settlement.

Now the Oregon legislature is set to consider a bill that would limit the practice. According to a recent article in Willamette Weekly, SB 421 “would match the laws in many other states, where the injured party can be ‘made whole’ for all damages, including pain and suffering, from the at-fault party’s insurance before the injured party’s medical insurer gets paid.” According to the legislature’s website (see link below) the bill, which has bi-partisan sponsorship, has been referred to the Judiciary Committee, though a hearing on it has not yet been scheduled.

An article published a few days ago in The Oregonian offers a good opportunity for us to examine the problems with Oregon’s systems for dealing with uninsured and underinsured motorists.

The newspaper reports that “a 29-year-old driver who lost control of his car and hit several parked vehicles, causing traumatic injuries to one of his passengers” fled the scene of the accident on foot and was arrested several days later. The accident took place on 92ndAvenue near the intersection with Powell Boulevard in Southeast Portland. The newspaper quotes police saying a 34-year-old woman was hospitalized with life threatening injuries after the incident. The woman’s fiancé was also injured.

The driver “is accused of two counts of felony failure to perform duties of a driver to injured persons” according to The Oregonian. We do not know for certain, but the driver’s decision to flee strongly implies that he was either uninsured or underinsured. As most readers of this blog are probably aware, Oregon and Washington both require every driver to purchase insurance with a minimum of $25,000 in liability coverage.  Those insurance policies almost always provide coverage against being hit by an uninsured and underinsured motorist for the same $25,000.

A recent article in The Oregonian outlined what has become a depressingly common story: the abrupt disappearance of Saudi Arabian students facing criminal charges here in Oregon. The newspaper reports that it “has found criminal cases involving at least five Saudi nationals who vanished before they faced trial or completed their jail sentence in Oregon.”

The suspects “include two accused rapists, a pair of hit-and-run drivers and one man with child porn on his computer.” A 2014 case detailed by the newspaper fits the pattern: shortly after the man’s arrest a Saudi diplomat appeared at the local district attorney’s office to post bail for the accused student. Having made bail and been released the defendant later failed to appear for his trial. As the newspaper puts it, the “cases raise new questions about the role the Saudi government may have played in assisting its citizens fleeing prosecution in Oregon – or possibly elsewhere in the United States.”

Any conduct along those lines would be a serious violation of diplomatic norms. Questions like that lie outside the scope of this blog, but there are other issues raised by these cases that are of immediate concern to us here.

This summer saw some of the largest and most dangerous wildfires ever recorded here in the West. The fall has brought two of the most destructive hurricanes in modern US history to South Carolina and Florida. So, it is with a kind of grim resignation that I return to the subject of insurance companies.

As I have written in the past – most recently in this post from last February – it is essential to look past the insurance industry’s warm and soothing slogans about how they’re always there when you need them. Insurance companies are businesses and their profitability is inversely related to the number and size of the claims they actually pay. That shouldn’t need to be said but, sadly, it does.

This goes well beyond a simple case of ‘always read the fine print.’ Insurance policies are contracts like any other. But it is one thing for a company to inform a policyholder that they are not covered for something and quite another thing for companies to actively seek ways to get out of paying claims that any reasonable policyholder should expect to be paid.

A recent article in the Los Angeles Times (see link below) details the struggles that many people in northern California have faced in the wake of devastating fires that swept through the area late last year. Thousands of homes were destroyed in counties across the state. As the newspaper reports, 44 people died. Sadly, in the wake of this tragedy has come the inevitable reminder: in the words of the LA Times headline ‘your insurance company is not your friend.’

I wrote about this issue six months ago after hurricanes hit Florida and Texas. In the wake of the California wildfires the core issues are similar: an industry that will use the fine print to its advantage whenever possible, blithely ignore rules and regulations and do everything it can to do as little as possible for its customers, all while assuring them that it is there to ‘help’.

According to the LA Times the specific issue in California has been an influx of “adjusters who poured in from other states to help companies process claims” and who then “misinformed policyholders about their rights.” The paper reports that many of the out-of-state adjusters came from the South and were clearly unfamiliar with California law, which provides far stronger consumer protections than are in effect in many other parts of the country. Many of the out-of-state adjusters also appear not to have been properly registered to work in California, the paper reports. In the wake of lawsuits filed by victims, the paper quotes a spokesperson for the California Department of Insurance saying that “the agency is already investigating whether unregistered and unsupervised adjusters worked the Northern California fires.”

People throughout the Southeast are struggling to put their lives back together after the damage caused by hurricanes Harvey and Irma over the last few weeks. More trouble, however, is on the way. Most immediately this takes the form of Hurricane Maria. This latest storm is already hitting a number of Caribbean islands hard (some of which were also hit by the earlier storms) and may also strike the US mainland in the coming days.

Some of the trouble, however, will be completely man-made. Over the coming weeks and months many homeowners struggling to rebuild are likely to discover that the policies they counted on are written more with a mind to protecting insurers than helping the insured.

Most media attention concerning hurricanes and insurance focuses on flood insurance. Few private companies are willing to underwrite flood insurance for anyone living in a flood-prone area so it is offered by the federal government instead. At times like these we see many newspaper and television stories about people who should have bought flood insurance but didn’t or, in the wake of massive storms like Harvey and Irma, people who didn’t think they needed flood insurance in the first place and are now discovering that their policies do not cover the damage to their property.

50 SW Pine St 3rd Floor Portland, OR 97204 Telephone: (503) 226-3844 Fax: (503) 943-6670 Email: matthew@mdkaplanlaw.com
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