PIP

Auto Accident Attorney Secures Personal Injury Protection (PIP) Coverage for Client

Our client was slowing for a stop light in Eugene, Oregon, when she was rear ended by another driver. Oregon Auto Car Accident Attorneys, Accident Attorney Oregon | Dwyer Williams Dretke PC | Oregon Personal Injury Attorneys The other driver was going slow, and the impact of the crash was low, with less than $600 in property damage. In spite of the low speed and minimal property damage, our client still suffered a back injury that required medical treatment and caused her to miss work.

Because she had numerous pre-existing conditions as a result of workers’ compensation claims and auto accident claims within the last couple of years, her insurance company balked at paying her medical bills or wage loss. At the same time, the at-fault driver’s insurance carrier attributed all of her injuries to prior accidents and did not offer a settlement. Unable to pay her medical expenses or to afford losing wages from missed work, she called us, experienced auto accident attorneys.

As soon as I took the case, I began working on her Personal Injury Protection (PIP) carrier so she could get her medical expenses and wage loss covered. My argument was rooted in the language of the PIP statute and the statements by her medical providers that the treatments she was receiving were related to the accident in question, not her previous accidents or injuries. After listening to my arguments, the PIP carrier reconsidered and agreed to pay her medical bills and wage loss. This enabled her to get the treatment she required for recovery.

When she completed her treatment, I obtained all of her medical records, including prior ones, and demonstrated to the at-fault driver’s insurance carrier how her medical treatment was related to the current accident, caused by the negligence of their insured driver. After negotiations, the insurance company offered a fair settlement that reimbursed her medical providers and compensated her for her pain and suffering.

This case is an excellent example of how an experienced auto accident attorney can help you navigate the rough waters of complicated insurance claims. If you have pre-existing injuries or previously claimed accidents, you will almost certainly need the help of an Oregon auto accident attorney to help you win the settlement you deserve. If you have been injured in an auto accident and have pre-existing injuries or prior claims, we can still help. One of our expert Personal Injury Attorneys will be happy to discuss your Oregon Personal Injury case with you. Call us now: 541-617-0555

Auto Accident Attorney Convinces PIP Carrier to Honor Coverage

It was a gorgeous June day, and our client was driving north on I-5 near Eugene, Oregon with her 4 year old son in the back seat in his car seat. She saw a white Chevy Impala entering the Interstate from an upcoming on-ramp, so she signaled and moved to the left lane. The driver of the Impala merged onto I-5, then immediately made an unsignaled lane change, almost crashing into our client. She swerved to avoid him and lost control of her vehicle on the shoulder of the highway median. She then crossed back over both lanes of northbound traffic, eventually hitting a cement barrier and rolling. Oregon Auto Car Accident Attorneys, Accident Attorney Oregon | Dwyer Williams Dretke PC | Oregon Personal Injury Attorneys The other driver, aware that he had caused an accident, continued to drive for two more miles before pulling over and calling his dad, who had the good sense to tell him to call the police. An Oregon State Trooper cited him for unlawful or unsignaled lane change. Our client and her son, meanwhile, were attended to by emergency medical responders. She had suffered bruising and other injuries but was relieved to find that her son was OK.

About two months after the accident occurred, our client, who is in the US Navy Reserve, was called up for a month of active duty. After her duty was complete, she returned home and continued with the medical treatment prescribed for her accident-related injuries. Her Personal Insurance Protection (PIP) carrier ordered a physician review because of the break in her treatment, and the carrier’s physician deemed the physical therapy treatment she was receiving medically unnecessary, leaving her with the outstanding medical bills. The bills were too much for her to pay, and she was sure the physician was wrong, so she contacted an auto accident attorney for help.

Upon taking the case and hearing her story, I sent a letter to her PIP carrier, reminding them that they themselves claimed to be “committed to serving our military and veterans who have honorably served and their families,” a statement contradicted by their treatment of our client. Our client’s husband was active duty US Navy, and he had purchased the policy for his wife. She had only continued her physical therapy because her orthopedic specialist had recommended it, making it a medical necessity in our view. To support my letter, I also sent along her medical records. After receiving my letter and some negotiation, the PIP carrier agreed to pay all of her medical expenses. Then, I also negotiated a settlement with the at-fault driver’s insurance company for her pain and suffering and reimbursement of her medical expenses. This auto accident had been a horrific experience for our client, but she was pleased with the results of our work on her behalf.

If you’ve been injured in an auto accident and are getting denied coverage by your PIP carrier, we can help. One of our expert Personal Injury Attorneys will be happy to discuss your Oregon Personal Injury case with you. Call us now: 541-617-0555

Auto Accident Attorney Negotiates Complicated Case in Client’s Favor

Our client, a 21 year old woman, was riding in a 1988 Jeep Cherokee with a friend in Bandon, Oregon. Her friend ran a red light and hit a truck before veering across the lines dividing the lanes and hit a Dodge Durango head-on. Our client, who was severely injured, had to be cut from the crumpled Jeep and was rushed to the emergency room at the Coos Bay hospital in an ambulance. Oregon Auto Car Accident Attorneys, Accident Attorney Oregon | Dwyer Williams Dretke PC | Oregon Personal Injury Attorneys

Our client’s horrific accident was hard on her whole family. Not only was it traumatic, but they also had no health insurance, making the medical bills involved in her care extremely stressful. Our client’s Personal Injury Protection (PIP) coverage had already been exhausted at its $15,000 limit. When her neurologist ordered a MRI of her back and recommended epidural injections to help her recover, her mom contacted our Eugene, Oregon office to get the help of an experienced auto accident attorney.

Because she had no health insurance, I immediately opened a second PIP claim through her mom’s car insurance to tide the family over until another solution could be found. The second PIP claim expired after paying a month’s worth of medical bills. Then, we got our client on the Oregon Health Plan so she could continue her important medical treatments while we worked through the insurance claims.

Our client’s friend, the driver of the Jeep, had only $25,000 in liability coverage, and the medical bills in question totaled over $47,600. The combined PIP liens totaled $23,539, meaning that the PIP carriers would take that much of the $25,000 to recover their costs and leaving our client in a very bad spot. I contacted both PIP carriers and explained the situation. After speaking with me, they waived their liens. Our client’s mom had gotten a job with health benefits, which took over paying our client’s medical bills. I also got them to reduce their lien, after which we were able to use the insurance liability coverage to pay the Oregon Health Plan and the outstanding co-pay balances to the medical providers, with some left over for our client’s pain and suffering. In the end, our client received monetary compensation for her pain and suffering which otherwise would have been used to pay medical bills only.

This case is a perfect example of how an experience auto accident attorney can help you, even when your case is complicated and seems impossible. If you or a loved one have been injured in an accident, call us today. One of our expert Personal Injury Attorneys will be happy to discuss your Oregon Personal Injury case with you. Call us now: 541-617-0555

One Way Street Accident Case Settled in the Right Direction

Our client had attended a show at a downtown Eugene, Oregon venue and was headed home about 2:30 am. He was sober and wearing his seat belt. He was leaving downtown on a one way street when he saw a car approaching in the opposite direction – going the wrong way on the one way. Oregon Auto Car Accident Attorneys, Accident Attorney Oregon | Dwyer Williams Dretke PC | Oregon Personal Injury Attorneys Thinking as quickly as he could, he pulled over to the side of the street to avoid a crash. In spite of his best efforts, the other driver hit our client head-on. To make matters even worse, the other driver jumped out of his car and attempted to run away from the scene. The police caught up with him, fortunately, and arrested him for driving under the influence. Our client suffered a chipped tooth and neck and back strains, for which he sought medical attention as soon as he could.

Near the end of his treatment regimen, he filed a Personal Injury Protection (PIP) claim with his own auto insurance company for his medical expenses. They tried to deny him, arguing that his multiple massage therapy and physical therapy visits over the five-month recovery period had been excessive for the injuries he had sustained. They attributed much of his medical care to pre-existing conditions. Feeling helpless to fight the insurance company alone, he called us, expert auto accident attorneys specializing in DUII accidents.

Upon taking the case, I obtained all of our client’s medical records and provided them to the insurance company, detailing how his treatment was directly related to his car accident and necessary, not excessive. With the medical records behind us and some skillful negotiation on my part, we were able to counter the insurance company’s arguments and get our client the full amount claimed under his PIP coverage. Additionally, we filed a claim with the intoxicated driver’s insurance company and got recovery for property damage and pain and suffering. Our client was able to walk away with his medical bills, property loss, and pain and suffering covered by the settlements.

If you’ve been in a car accident and need help getting money from your own PIP coverage or from the at-fault driver’s insurance, we can help. Call us today. One of our expert Personal Injury Attorneys will be happy to discuss your Oregon Personal Injury case with you. Call us now: 541-617-0555

Lawsuit Motivates Insurance Company to Cover Medical Expenses

Our client was commuting from her home to work in Portland, Oregon one morning when a car making a left turn failed to yield and crashed into the front of her car. Oregon Auto   Car Accident Attorneys, Accident Attorney Oregon | Dwyer Williams Dretke PC | Oregon Personal Injury Attorneys She was injured in the accident and sought medical attention. Her injuries required routine medical care, including physical therapy. Her medical expenses accumulated into the thousands of dollars quickly. Although she had no health insurance, she did have personal injury protection (PIP) as part of her Oregon car insurance, as all Oregon drivers do. PIP coverage obligates the insurer to pay reasonable and necessary medical expenses for one year or up to $15,000, whichever limit comes first.

Several months after her auto accident, her insurance company required her to undergo an examination by one of their doctors. The insurance company doctor declared that she was fine and her insurance company quit paying her medical bills. This put our client in a bad situation – she had no health insurance, and now her PIP had stopped paying her medical bills. And, according to the doctor who had been treating her after the accident, she needed more medical care to recover fully. Worried about her bills and frustrated by the insurance company, she made the decision to get help from an experienced auto accident injury attorney.

When I took the case, I contacted the insurance company and tried to negotiate with them to start paying her medical expenses again. They refused. That was an unsatisfactory outcome, so I filed a lawsuit demanding that her medical bills be covered in accordance with Oregon’s PIP coverage law. Filing the lawsuit got their attention, and they realized they couldn’t ignore our client or her claim. They reversed their decision and paid all of her medical bills, as well as my attorney fees and the cost of filing the lawsuit.

If you’ve been injured in a car accident and can’t get the coverage due to you from the insurance company, we can help resolve your claim. One of our expert Personal Injury Attorneys will be happy to discuss your Oregon Personal Injury case with you. Call us now: 541-617-0555.