Attorneys spend hours evaluating cases and scouring over medical records and bills. Answering your question with anything meaningful would require too many assumptions and conclusions with no foundation. Additional information would be necessary to evaluate liability--what caused you to fall, who's at fault, and why. It would also be necessary to know more about your injury--did you need surgery? How much were your bills? What treatment did you receive? How long was your recovery. Too many unknowns.
If you want to maximize the amount of your recovery, you'd do well to consult with a personal injury attorney. Most offer free initial consultations and would be willing to discuss the specifics of your case. I would not discuss them openly on the internet.
Also, in light of the quickly approaching statute of limitations, you'll want to speak with someone ASAP. Many attorneys will not consider taking on a case within 2-3 months of the deadline.
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Best bet is to get a personal injury lawyer now to pick up the ball.
You've suffered serious injury. Why are you trying to represent yourself? I can't think of a worse thing for an accident victim to do than try to represent themselves against a skilled adjustor. Speak with a personal injury lawyer in your area ASAP. The consultation will be free. You have nothing to lose. "He who represents himself has a fool for a client" Abe Lincoln.
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There is only one way to put pressure on them: hire an attorney ASAP. Right now, you are absolutely no threat to them. If they don't pay you a fair settlement, or if they refuse to make any offer at all, what is the worst that could happen to them? You've already waited until there is less than 6 months before your SOL runs, so you have showed them that you don't want to get an attorney. They know that most attorneys won't accept cases with less than six months before the SOL runs, so the chances of you getting an attorney are even lower. So what are they afraid of? That you are going to file a lawsuit against them? That you are going to litigate the case all the way to trial? That you are going to convince a jury to award you anything? HA! That would certainly make the defense attorney happy. He would get your case thrown out for failure to state a claim, assuming it got that far and you actually knew who to serve with process and how to do it.
The insurance company is not scared of you. When you ask for ideas of how to put the pressure on, that's like my cat asking for advice on how to take down a lion. The answer is simple: get your own lion. Anything short of that is a joke.
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Umm, not to put too fine a point on it, but you're asking for legal advise on how to handle your case on your own. If you're at that point, you really, Really, REALLY need to get a personal injury attorney involved ASAP. Most work on a contingency basis, and there are plenty of good ones in your area listed on AVVO.
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slip and fall cases are really hard to prove and there is so much that can go wrong, and that's with an experienced attorney running the case. Running it by yourself you are only digging yourself into a deeper hole. You most likely have liens from your medical insurance provider that will have to be reimbursed unless you got no medical treatment, which is unlikely. Get an attorney and stop thinking you can handle this alone. You can't.
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Unfortunately, you don't have any "teeth" so to speak. You are relying on insurance company being fair because you are injured. That is understandable. What will happen if insurance adjuster says no? Or, if she needs more medical records? What can you do next? The only thing left to do in your case is to file with court. Are you ready for that? Contact any of personal injury lawyers near you and ask for free consultation.
If I am the adjuster, no matter what you do, I am just going to wait you out at this point since you have waited this long so far. The only possible thing that might help is an ORS 20.080 demand, but that assumes your damages are $10k or less, and the only real point of that is the potential attorneys' fees, and you have none of those at this point.
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