Guest guest Posted July 11, 2012 Report Share Posted July 11, 2012 Joe: If the collision was not the insured's fault, their rates cannot go up. If an insurer gives a small "claims free discount," they can lawfully take that away regardless of fault, but that's usually no more than 10%. The at-fault carrier is not going to direct pay your bills, and won't pay a dime toward the injury claim until the claim is fully and finally resolved. I'd encourage the patient to file a PIP claim. G. Gatti, Gatti, Maier, Sayer, Thayer, & Associates 1781 Liberty St. SE Salem, OR 97302 1- msmith@... From: oregondcs [mailto:oregondcs ] On Behalf Of bradrethwilldcSent: Wednesday, July 11, 2012 2:00 PMTo: oregondcs Subject: Re: PIP question It depends on the policy and company involved. Some companies have a one time accident forgiveness.Brad Rethwill DCEugene>> Hello,> > If a driver is innocently struck from behind in rear end collision is not in the least at fault, will their insurance rates go up if they pursue treatment for injuries sustained in the accident? Have a patient who is attempting to go through the third party in order to avoid reporting it to their insurance company to avoid a rate hike. > > Thanks,> > ph Medlin D.C.> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 11, 2012 Report Share Posted July 11, 2012 Hello all Arent they by law required to report the claim to DMV if the is bodily injury or $x vehicle damage (is it $200 or $400?) Elliott Mantell To: bradrethwilldc ; oregondcs Sent: Wednesday, July 11, 2012 2:53 PMSubject: RE: Re: PIP question Joe: If the collision was not the insured's fault, their rates cannot go up. If an insurer gives a small "claims free discount," they can lawfully take that away regardless of fault, but that's usually no more than 10%. The at-fault carrier is not going to direct pay your bills, and won't pay a dime toward the injury claim until the claim is fully and finally resolved. I'd encourage the patient to file a PIP claim. G. Gatti, Gatti, Maier, Sayer, Thayer, & Associates 1781 Liberty St. SE Salem, OR 97302 1- msmith@... From: oregondcs [mailto:oregondcs ] On Behalf Of bradrethwilldcSent: Wednesday, July 11, 2012 2:00 PMTo: oregondcs Subject: Re: PIP question It depends on the policy and company involved. Some companies have a one time accident forgiveness.Brad Rethwill DCEugene>> Hello,> > If a driver is innocently struck from behind in rear end collision is not in the least at fault, will their insurance rates go up if they pursue treatment for injuries sustained in the accident? Have a patient who is attempting to go through the third party in order to avoid reporting it to their insurance company to avoid a rate hike. > > Thanks,> > ph Medlin D.C.> Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 11, 2012 Report Share Posted July 11, 2012 Elliot, if damage to vehicle is $1,500 or more the accident should be reported to 'DMV. I just gained first hand experience with this recently. This is what one of Portland's finest told me just a week ago. Schneider DCPDXOn Wed, Jul 11, 2012 at 10:15 PM, Dr. Elliott Mantell wrote: Hello all Arent they by law required to report the claim to DMV if the is bodily injury or $x vehicle damage (is it $200 or $400?) Elliott Mantell To: bradrethwilldc ; oregondcs Sent: Wednesday, July 11, 2012 2:53 PMSubject: RE: Re: PIP question Joe: If the collision was not the insured's fault, their rates cannot go up. If an insurer gives a small " claims free discount, " they can lawfully take that away regardless of fault, but that's usually no more than 10%. The at-fault carrier is not going to direct pay your bills, and won't pay a dime toward the injury claim until the claim is fully and finally resolved. I'd encourage the patient to file a PIP claim. G. Gatti, Gatti, Maier, Sayer, Thayer, & Associates 1781 Liberty St. SE Salem, OR 97302 1-(800) 289-3443 msmith@... From: oregondcs [mailto:oregondcs ] On Behalf Of bradrethwilldc Sent: Wednesday, July 11, 2012 2:00 PMTo: oregondcs Subject: Re: PIP question It depends on the policy and company involved. Some companies have a one time accident forgiveness.Brad Rethwill DCEugene >> Hello,> > If a driver is innocently struck from behind in rear end collision is not in the least at fault, will their insurance rates go up if they pursue treatment for injuries sustained in the accident? Have a patient who is attempting to go through the third party in order to avoid reporting it to their insurance company to avoid a rate hike. > > Thanks,> > ph Medlin D.C.> -- Schneider DC PDX Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 11, 2012 Report Share Posted July 11, 2012 Will you are correct DMV in Oregon says: ONLY drivers involved in an accident resulting in any of the following MUST file an Accident & Insurance Report: • Damage to your vehicle is over $1500 • Injury (No matter how minor) • Death 735-32 (1-11) • Damage to any one person’s property over $1500 • Any vehicle has damage over $1500 and any vehicle is towed from the scene as a result of damages So at least Joe's patient fits into Injury category. I still get this from patient's saying that they were told that the responsible party would pay our bills, and as has pointed out it never happens. To: Dr. Elliott Mantell Cc: ; bradrethwilldc ; "oregondcs " <oregondcs > Sent: Wednesday, July 11, 2012 10:40 PMSubject: Re: Re: PIP question Elliot, if damage to vehicle is $1,500 or more the accident should be reported to 'DMV. I just gained first hand experience with this recently. This is what one of Portland's finest told me just a week ago. Schneider DCPDX On Wed, Jul 11, 2012 at 10:15 PM, Dr. Elliott Mantell wrote: Hello all Arent they by law required to report the claim to DMV if the is bodily injury or $x vehicle damage (is it $200 or $400?) Elliott Mantell To: bradrethwilldc ; oregondcs Sent: Wednesday, July 11, 2012 2:53 PMSubject: RE: Re: PIP question Joe: If the collision was not the insured's fault, their rates cannot go up. If an insurer gives a small "claims free discount," they can lawfully take that away regardless of fault, but that's usually no more than 10%. The at-fault carrier is not going to direct pay your bills, and won't pay a dime toward the injury claim until the claim is fully and finally resolved. I'd encourage the patient to file a PIP claim. G. Gatti, Gatti, Maier, Sayer, Thayer, & Associates 1781 Liberty St. SE Salem, OR 97302 1- msmith@... From: oregondcs [mailto:oregondcs ] On Behalf Of bradrethwilldcSent: Wednesday, July 11, 2012 2:00 PMTo: oregondcs Subject: Re: PIP question It depends on the policy and company involved. Some companies have a one time accident forgiveness.Brad Rethwill DCEugene>> Hello,> > If a driver is innocently struck from behind in rear end collision is not in the least at fault, will their insurance rates go up if they pursue treatment for injuries sustained in the accident? Have a patient who is attempting to go through the third party in order to avoid reporting it to their insurance company to avoid a rate hike. > > Thanks,> > ph Medlin D.C.> -- Schneider DC PDX Quote Link to comment Share on other sites More sharing options...
Guest guest Posted July 12, 2012 Report Share Posted July 12, 2012 Tthank you , and all of you who took the time to respond. Very helpful! ph Medlin D.C. From: Sent: Wednesday, July 11, 2012 2:53 PM To: bradrethwilldc ; oregondcs Subject: RE: Re: PIP question Joe: If the collision was not the insured's fault, their rates cannot go up. If an insurer gives a small "claims free discount," they can lawfully take that away regardless of fault, but that's usually no more than 10%. The at-fault carrier is not going to direct pay your bills, and won't pay a dime toward the injury claim until the claim is fully and finally resolved. I'd encourage the patient to file a PIP claim. G. Gatti, Gatti, Maier, Sayer, Thayer, & Associates 1781 Liberty St. SE Salem, OR 97302 1- blocked::blocked::blocked::mailto:msmith@... From: oregondcs [mailto:oregondcs ] On Behalf Of bradrethwilldcSent: Wednesday, July 11, 2012 2:00 PMTo: oregondcs Subject: Re: PIP question It depends on the policy and company involved. Some companies have a one time accident forgiveness.Brad Rethwill DCEugene>> Hello,> > If a driver is innocently struck from behind in rear end collision is not in the least at fault, will their insurance rates go up if they pursue treatment for injuries sustained in the accident? Have a patient who is attempting to go through the third party in order to avoid reporting it to their insurance company to avoid a rate hike. > > Thanks,> > ph Medlin D.C.> Quote Link to comment Share on other sites More sharing options...
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