Am I reading correctly; they offered slightly more than 1/2 your demand? For Allstate you're doing well. No comment as to value as I haven't reviewed your file.
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I would recommend consulting with a personal injury attorney. If you don't have an attorney, it is very likely they are low-balling your offer. Best of luck.
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There's no way to answer this without reviewing all of the medical records, the car damage, the witness statements, etc. But I can tell you that in my experience, insurance companies almost always offer significantly more money once a good attorney gets involved.
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Get an attorney. Impossible to help you with this on Avvo. You have two cases here - you and your wife's. They are separate claims. These days you can only count on really low offers prior to filing even with an attorney. But there is a special type of demand that attorneys in Oregon can make on your behalf using a statute that will penalize the insurance company for lowball offers and maybe get extra attorney fees. Not sure if both of your cases can fit into this type of demand statute but a local attorney can help you figure it out. You only have two years to settle your cases or file so see an attorney now while there is still time to review the cases and make these demands.
Under Oregon law you should have already had your medicals paid under your own auto policy PIP coverage and then your insurance company can fight with Allstate and it should be your problem. Also the other driver's insurance which I take it is Allstate should have sent you a check for some or all of your car repairs already. Oregon law now requires the other driver's insurance to pay as much of the property damages as they can agree to as soon as they have notice of the accident. http://www.portlandlegalservices.com
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Bottom line is that insurance companies pay unreps (unrepresented parties) a tiny fraction of what they pay represented parties. For example, a major national insurance company in PA pays unreps 11% of what they pay the people represented by an attorney. Find a lawyer with a low contingency fee, less than 30%, so you get the lion’s share of the settlement, not your lawyer. Thus, don’t get hurt twice by paying a huge fee. Good luck.
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You should obtain needed medical care and treatment immediately and follow the doctor's advice. Do not give any statement to the adverse party or insurance company nor grant them access to any medical records. Photograph the injuries and the damage done to any property. Contact a personal injury attorney in your area as soon as possible so that you can protect your rights. You may also find it helpful to review the Legal Guides I have published on Avvo.com dealing with many of the issues you are now facing. The Guides can be accessed through my profile page on Avvo.com.
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You have two separate claims for personal injury; one for your wife and one for you. Whoever owned the vehicle has the property damage claim. It is impossible to say whether the current offer is reasonable without knowing all of the pertinent facts for your case. A reasonable settlement amount for a personal injury claims depends on many complicated factors including the customary valuation of pain and suffering in your local legal system and any problems there might be with your case such as injuries that existed at the time of the collision. In my experience, insurance companies do not offer anywhere near the true value of their claim unless a victim has hired an attorney. I would advise contacting a local personal injury attorney that specializes in automobile collisions so they can thoroughly review the facts of your case and assess the value of your case.
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