Thursday, March 12, 2015
LEGISLATIVE UPDATE
The Oregon Legislature just passed a very important update to Oregon's motor vehicle insurance laws providing Oregonians with protection much more like the protection Washington drivers have enjoyed for years. Every Oregon driver pays for both under-insured motorist coverage, and personal injury protection coverage. Until the new law takes effect, there are loopholes in the Oregon statutes that, under certain circumstances, render these coverages worthless.
On January 1, 2016 the new law will require that under-insured motorist coverage be made available to Oregon drivers if their total damages are more than the at fault driver was insured for. That is, if another driver does not have enough insurance to cover your loss, they are now defined as "under-insured." While this may seem self-evident, many people are surprised to learn that this has not been, and, indeed, is not currently the law.
Currently, another driver is only considered "under-insured" if he has less insurance coverage than you do. Not if he has less insurance coverage than your total damages. Thus, if you have a minimum policy providing $25,000 in coverage, and the other driver had the same minimum policy, he could not be defined as "under-insured" even if your total damages far exceeded $25,000. Thus, under the current law, you could not collect a dime of your own $25,000 "under-insured" motorist coverage.
This important change frees up your under-insured motorist coverage and makes it available to you whenever you are injured by a driver who has not purchased enough insurance to cover your damages.
In addition, every insured Oregon driver has also paid for Personal Injury Protection coverage that will pay for their medical expenses and wage loss after a car crash. However, even though you have paid premiums for this coverage, currently, and until the new law takes effect, your own insurance company could assert a lien against the at fault driver's insurance, and drain his liability insurance policy. This lien is first in line before the injured party. Your insurance company can get paid back in full before you receive any damages. If the other driver had not bought enough insurance to cover both your own insurance company's claims and your own damages, you were the one left out. This, again, despite the fact that you have been paying premiums for years.
Now, under the new law, your own personal injury protection carrier does not get paid back until all of your damages have been paid. Thus, the insurance that you have paid premiums for, does not get to take away the liability proceeds from the at fault driver. You are placed first in line, not your insurance company.
However, these amendment do not apply to existing insurance policies. It only applies to those policies that are issued or renewed AFTER January 1, 2016. Insurance policies often renew every 6 to 12 months. Therefore, to avoid any delay in the implementation of this coverage, it is important to have your policy re-issued, or renewed as soon after January 1, 2016 as possible.
Wayne Hawn
Thursday, December 5, 2013
Bend Christmas Parade
Noon -
Saturday, December 7, 2013
Stop by and
say hi, and pick up some free coffee, cocoa, and cookies! Bring a chair or sit
on the curb right in front of our building at Riverside (Franklin) and Broadway
- across from Drake Park. Hope to see you then!
Thursday, November 14, 2013
Winter Driving Tips in Bend, Oregon
It’s Winter Driving Season Again!
Winter Driving
Driving in Oregon in the winter can be challenging
both to drivers and their vehicles.
During the winter driving season, the National Highway Traffic Safety
Administration urges motorists to take precautionary measures to ensure that
all vehicles are in optimal driving condition and properly equipped, especially
in inclement weather.
NHTSA safety recommendations include the following:
Visit your mechanic for a
periodic safety inspection and to address routine vehicle maintenance. Have
your vehicle checked thoroughly for fluid leaks and any other needed parts,
repairs, or replacements.
Have your starting system
battery checked for sufficient voltage. When the temperature drops, so does
battery power. Be aware that it takes more cranking power to start your vehicle
in cold weather. Also, be sure the connections are properly tightened and free
of corrosion. If necessary, clean them with a solution of baking soda and
water.
Make sure you have enough
coolant in your vehicle and that it's designed to withstand the winter
temperatures you might experience in your area. A 50/50 mix of coolant to water
is sufficient for most regions of the country.
If your engine cooling
system hasn't been flushed (draining the system and replacing the coolant) for
several years, have it done now. Over time, the rust inhibitors in antifreeze
break down and become ineffective. Coolant also needs to be refreshed
periodically to remove dirt and rust particles that can clog the cooling system
and cause it to fail.
Make sure your windshield
wipers and defrosters are working properly. Refill the windshield washer
reservoir as needed with high-quality, "no-freeze" washer fluid.
Check tire pressure and make
sure each tire is filled to the vehicle manufacturer's recommended inflation
pressure, which is listed in your owner's manual and on a placard located on
the driver's side doorjamb (called the "B-pillar"). Tire pressure drops as the temperature drops.
Properly inflated tires ensure optimum tire performance and optimum vehicle
driving range.
Keep a tire pressure gauge
in your vehicle at all times and check pressure when tires are "cold"
– meaning they haven't been driven on for at least three hours.
Check your tire tread depth
and make sure you are using a tire appropriate for the winter driving
conditions you may encounter. If the winter season means sleet, slush and
snow-covered roads in your area or where you're traveling to, consider
replacing tires when they reach approximately 5/32" of remaining tread
depth. If you regularly encounter severe winter driving conditions, you may
consider a dedicated winter/snow tire for optimum traction.
Stock your vehicle with
essentials in the event of an emergency including a snow shovel, broom, ice
scraper, jumper cables, flashlight, warning devices (flares, reflective
markers, etc.) and blankets for protection from the cold. A mobile phone,
water, food, and any necessary medicines may prove useful if you become
stranded.
If road conditions are
hazardous, wait until road and weather conditions improve before venturing out
in your vehicle.
If you do become stranded,
don't run your car for long periods with the windows up or in an enclosed space
to avoid asphyxiation from carbon monoxide poisoning. If you must run your
vehicle, clear the exhaust pipe of any snow and run it only sporadically – just
long enough to stay warm.
In the unfortunate event you
are involved in a collision, please see the information provided at Practice-Areas Car-Accidents.
Wednesday, October 30, 2013
Stay Safe on Halloween
Pedestrians and Drivers - Stay Safe on Halloween!
On Halloween night please remember to slow down and be on alert by
trick-or-treaters of all sizes, crossing the street mid-block or darting out
from between parked cars. Drivers should
be extremely careful entering and exiting driveways. Here are some Halloween tips:
Reflective tape: apply to the front and back of your child’s
costume
Glow sticks: Attach
glow sticks to costumers or wear a glow necklace and/or bracelets
Flashlights: Add fresh
batteries and give each kid a flashlight.
Parents should also carry flashlights or lanterns
Costumes: Make sure
masks fit properly and costumes aren’t so long that they create a tripping
hazard
Stay in a Group: Keeping the trick-or-treaters in a group may be
difficult as they are going to be very excited and want to run from house to
house.
Use the Sidewalk: to get from house to house. Don’t let them cut across yards, driveways or
alleys.
Crosswalks: Use crosswalks only. No crossing the street at a driveway or from
between parked cars. Use caution while
crossing, even in the crosswalk. Don’t
step out into the crosswalk assuming the car coming is going to stop for
you. Make sure the car is going to stop
before committing to cross.
Learn how we can help – Pedestrian-Accidents
Thursday, September 26, 2013
Wrongful Death Law in Oregon: Caps on Non-Economic Damages
ORS 31.710 limits the amount of non-economic damages
to $500,000 in wrongful death cases. In
other words, any damages for non-economic things such as loss of care, comfort,
companionship and society, pain, mental suffering or loss of consortium, are
limited to $500,000.
This does not “cap” the amount of economic damages
that are recoverable. Economic damages
are verifiable monetary losses such as medical expenses, burial and memorial
expenses, and loss of income.
The “cap” also does not apply to punitive damages,
if punitive damages are found to be appropriate.
Under ORS 31.710, a jury is not allowed to know
about this cap on damages, so even if a jury awards a personal representative
of a decedent over $500,000, the Judge will reduce the award to this
amount. Tuesday, August 6, 2013
Construction Outside Our Windows!
Brothers, Hawn & Coughlin in the middle of a construction zone
while the City of Bend is adding a bike lane to Riverside Blvd.!
To learn more about Brothers, Hawn & Coughlin, please visit our website at
Enjoy the summer in sunny Central Oregon!
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