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Oregon Insurance Defense Questions & Answers
3 Answers | Asked in Car Accidents and Insurance Defense for Oregon on
Q: My husband was killed in a car accident deemed his fault. Other driver is suing my insurance company and maybe me

personally. What kind of attorney do I need to talk to about this? I was not involved in the accident at all.

Brad  Holbrook
Brad Holbrook
answered on May 17, 2023

First, please let me offer my condelances on your loss. I realize that this makes it much more difficult to handle these "legal" matters associated with your husband's passing. You will need likely to need to consider how to protect yourself. Your question deals with a claim agaisnt... View More

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3 Answers | Asked in Car Accidents and Insurance Defense for Oregon on
Q: My husband was killed in a car accident deemed his fault. Other driver is suing my insurance company and maybe me

personally. What kind of attorney do I need to talk to about this? I was not involved in the accident at all.

Mark A. Siesel
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answered on May 15, 2023

If the car was not owned by you and you did not give your late husband permission to operate the vehicle, I see no basis for liability against you personally for this crash. If you are sued, and the auto liability insurance company does not provide a defense to you, you can retain your own private... View More

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1 Answer | Asked in Insurance Defense for Oregon on
Q: Her insurance wants proof of vehicle ownership before payout. can they require that. DMV doesn't offer that record.

3.2 years ago, drunk girl totalled my car. took forever to wrap up, but now the court settled, and her insurance is ready to pay out, only now they are demanding DMV proof of ownership for the vehicle that was towed and signed off to junkyard 3+ years ago. DMV was contacted, they don't offer... View More

John Michael Frick
John Michael Frick
answered on Sep 5, 2023

This is not an unreasonable request since proof of ownership is an essential element of proof in your case. Your copy of your certificate of title ought to be sufficient.

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: My car insurance company is charging me double what they were for my car insurance, it was the advice of a supervisor.

A supervisor advised me to cancel my current car insurance policy because my car engine was damaged I didn’t run it blew up my mechanic confirmed it , so on that advice I canceled it, I got another car and now I have an insurance lapse of coverage, I was assured I would not have any issues

Tim Akpinar
Tim Akpinar
answered on May 26, 2023

An Oregon attorney could answer best, but your question remains open for four weeks. Additional information is needed, but it looks like something may have fallen through the cracks in cancelling insurance on one vehicle on your policy and reinstating it for another. If the cars were markedly... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: My car insurance company stated my policy was canceled for non payment I canceled it because a supervisor told me to

My insurance company said since my car engine blew up and was not drivable to cancel my policy? Is that correct?

Tim Akpinar
Tim Akpinar
answered on May 14, 2023

An Oregon attorney could advise best, but your question remains open for two weeks. It isn't clear what is at stake in the distinction you ask about, whether the policy was cancelled for non-payment or the car being undrivable. Either way, it sounds like the vehicle was not on the road. If... View More

3 Answers | Asked in Copyright, Business Formation and Insurance Defense for Oregon on
Q: Can I use a like image of PennyWise on my Tattoo Shops logo?

My company's name is INK Therapy, or "IT"

AND the slogan is,"Sit down and deal with IT"

I'm trying to find out if I can use PennyWise's image???

Mr. Michael O. Stevens
Mr. Michael O. Stevens
answered on Oct 10, 2021

Basically no, as you would presumably infringe on someone's copyright and also likely a trademark.

I try to make it simple: If you are trying to make money off of someone else's work, there is likely a problem.

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1 Answer | Asked in Insurance Bad Faith, Insurance Defense and Medical Malpractice for Oregon on
Q: Family member refused insurance medical services and medication, income limit guaranteed to be met. Need help saving him

Dr refusing treatment and medication due to a missed urine test and discriminated against due to assuming drugs have been involved with no criminal background or past experiences this man will die soon without help

Virgil Royer
Virgil Royer
answered on Dec 18, 2020

Thank you for the question. I hope that this man will get help soon to prevent a death. It seems like there must be much more to the story raised in the question. Medical doctors swear to an oath to "Primum non nocere" (First, do no harm). First, it has to be established that the doctor... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: My insurance company was suppose to be settling my claim and today demanded my phone and text records going back 3months

Also my financial records going back 2 months. What the hell

Tim Akpinar
Tim Akpinar
answered on Dec 2, 2020

An Oregon attorney could advise best, but your post remains open for three weeks. It's difficult to speculate what could have caused the insurance company's change in position without knowing additional details. Whatever the reason, something raised the suspicion of the claims examiner.... View More

1 Answer | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: Medical insurance company is trying to retroactively deny coverage. What are my rights?

My wife was recently laid off and had some medical and dental work done before her coverage ended. The insurance companies processed and paid the claims, but now one of the insurance companies has demanded payment back from the dentist. The dentist office has never seen anything like this before,... View More

Tim Akpinar
Tim Akpinar
answered on Jul 19, 2020

An Oregon attorney could advise best, but your question remains open for two weeks. COBRA does have retroactive features - this is something that an employment attorney could probably explain better than attorneys who work only with general medical insurance claims and denials. You could either... View More

1 Answer | Asked in Collections, Traffic Tickets, Car Accidents and Insurance Defense for Oregon on
Q: I was in a fender bender where I rear ended someone, now I’m being sent to collections and they say my license can be

Suspended if I don’t make a Minimum payment if 1000 down and 100 a month. When I got in the accident I had just bought a car the night before from a personal buyer and had not had a chance to put insurance on it in the less the lab 24 hours after having it. I bought the car on 4/20/20 at 7pm, and... View More

Peter N. Munsing
Peter N. Munsing
answered on Jun 5, 2020

you asked this twice. Check the answer I and others gave. This looks like an identical post.

2 Answers | Asked in Collections, Traffic Tickets, Car Accidents and Insurance Defense for Oregon on
Q: I was in a fender bender where I rear ended someone, now I’m being sent to collections and they say my license will be

Suspended if I don’t make a Minimum payment if 1000 down and 100 a month. When I got in the accident I had just bought a car the night before from a personal buyer and had not had a chance to put insurance on it in the less the lab 24 hours after having it. I bought the car on 4/20/20 at 7pm, and... View More

Virgil Royer
Virgil Royer
answered on Jun 5, 2020

First, the collection agency is collecting a debt. They are not the Department of Motor Vehicles (DMV) and have no power to suspend your driving privilege. Second, you mentioned "grace" period. Did your insurance company deny coverage for this accident even though you just bought the car?... View More

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2 Answers | Asked in Insurance Bad Faith and Insurance Defense for Oregon on
Q: My boyfriend who isn’t insured , was hit by a girl who is insured , what can happen to my boyfriend?

My boyfriend is worried because he isn’t insured and he’s scared that he’s going to get in trouble . He’s had a bad headache since then and he doesn’t have health insurance .

Jeff Merrick
Jeff Merrick
answered on Nov 14, 2019

There are many things to tell someone who was in an collision caused by someone else.

He should contact an attorney. There are many steps to take right away to preserve and enhance rights. Yes, not having insurance may limit what he can recover from the other side.

Also, he...
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3 Answers | Asked in Car Accidents, Insurance Defense and Personal Injury for Oregon on
Q: How can I remove a PIP claim from someone not written on my auto insurance policy?

My mother in law filed a PIP claim against my auto insurance, for an accident I had no involvement in from 11/16. It's is a last ditch effort by her lawyer to get money. She is not written on my policy but did live with us at the time. GEICO has left it in limbo for months and it looks like my... View More

Mr. Michael O. Stevens
Mr. Michael O. Stevens
answered on Jul 11, 2019

You can't, and honestly its not a last ditch effort, its what the law is, she is covered if she lived with you. https://www.oregonlaws.org/ors/742.520

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1 Answer | Asked in Car Accidents and Insurance Defense for Oregon on
Q: Broke car now running and had a minor fender bender ( $1k dmg.) I had no insurance at the time. What to do?

Just went to get gas and pulling out of driveway bumped driver headed down the road. Bent in the fender and cracked the bumper cover. Gave my # and offered reimbursement to driver. His car was rented from Ziopcar.

Joanne Reisman
Joanne Reisman
answered on Jan 27, 2018

I am sure that he turned it over to his insurance or the Zipcar insurance. Someone will call you and ask you to pay the bill. Don't be suckered however. Only pay the repair bill if it includes a complete release of ALL LIABILITY for the accident and from the driver. Keep in mind that this... View More

1 Answer | Asked in Car Accidents, Insurance Bad Faith and Insurance Defense for Oregon on
Q: Does insurance pay a total loss based on value of a car or the price paid? Do they require a bill of sale?

I purchased a unique 66 mustang from a private owner. Long story short 2 hours after the sale some older lady came out of nowhere & smashed both my cars which I paid in full (parked behind each other) to total loss status. No bill of sale was made in the process because Oregon does not require... View More

Peter N. Munsing
Peter N. Munsing
answered on Dec 12, 2017

They want proof of ownership. How you work that is up to you. However, the issue is what the value is.

Likewise on #2. Unless your policy has replacement value you don't get it in most states.

You can check with the insurance commissioner for your state as to what they can ask...
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