Oppose HB 3086

[Guest guest]

All, here's a sample letter to send to your senators if you would like. I got permission to re-write and use some of the examples posted earlier.

Minga

Dear Senator: XXXXX

RE: OPPOSE HB 3086

It has come to my attention that an insurer can give you an insurance contract with what is called a "family exemption" clause in it. This clause negates everything a person is trying to do when buying high coverage insurance. It effectively takes all of that extra insurance premium you paid to get maximum coverage for your family down to the bare minimum policy required by law - $25,000. The majority public will not understand the language descriptive of this loss. The insurance industry understands it very well.

Here are some examples that describe my understanding of the "family exemption clause":

1. Your son turns across a lane of traffic with your daughter in the front passenger seat. They get hit broadside in the front passenger seat. Your daughter ends up with $200,000 in medical bills, and is quadraplegic. That $1 million liability coverage bought for yourself and your family is now worth $25,000 because the collision that injured your daughter was caused by a 'family member'.

2. You fall asleep at the wheel, drive into a tree and your spouse ends up with a catastophic brain injury. The injury requires lifetime care at a cost $2.5 million. The $3 million umbrella policy purchased to ensure the well being of your family, is now legally worth only $25,000 because the accident was caused by a 'family member'.

3. Your ex-spouse takes your child out of the car seat while driving down the road, oversteers, flips the car and kills your child. The total value of your child's life is $25,000; same 'family exemption' applies.

4. You are recovering from surgery and an out of state family member flies to town to assist you. They take your car to the grocery store with your child in tow. They cause an accident which gravely injures your child. Hospital expenses exceed $100,000. While recovering from your personal illness, you lose your home to pay your child's expenses even though you had what you thought was maximum coverage. The total legally required to pay out by your insurance carrier is $25,000 due to the 'family exemption' clause.

I could go on, but I think this describes the intent of a 'family exemption clause'.

Please oppose HB 3086.

Sincerely,

Minga Guerrero DC

President Oregon Board of Chiropractic Examiners

Oregon delegate to the National Board of Chiropractic Examiners

Oregon delegate to the Federation of Licensing Boards

Licensed Chiropractor - 1984 to presentSee what's free at AOL.com.