Frequently Asked Questions (FAQ's)

What incidents can lead to a wrongful death claim in Oregon?
Wrongful death claims are a significant aspect of personal injury law in Oregon. These claims arise when a person loses their life due to another individual or entity's negligent or wrongful actions. The Pacific Injury Law Firm, an Oregon-based personal injury firm, sheds light on the types of incidents that can lead to a wrongful death claim in the state. Car accidents are one of the most common causes of wrongful death claims in Oregon. When a driver's negligence results in a fatal crash, such as speeding or driving under the influence, surviving family members may seek compensation for their loss through a wrongful death claim. In some cases, even pedestrians and bicyclists killed by negligent drivers could be grounds for such claims. Medical malpractice is another significant source of wrongful death cases. Healthcare professionals must provide patients with adequate care according to established medical standards. When they fail in this duty and cause a patient's demise – through misdiagnosis, surgical errors, or medication mistakes – aggrieved parties may seek recourse via wrongful death litigation. Defective products represent another area where companies may face liability for causing fatalities. Manufacturers must ensure that their products are safe for use and clearly display any potential hazards. Should they fail in these duties – whether through design defects, manufacturing flaws, or insufficient warnings – surviving family members can file a wrongful death claim if their loved one was killed as a result. Workplace accidents also account for numerous wrongful deaths each year in Oregon. Employers must provide safe working environments for employees; failure to do so might result in workers losing their lives due to unsafe conditions or lack of proper training and equipment. In such situations, employers could be liable through a wrongful death lawsuit. Intentional acts of violence like assault and murder fall under the umbrella of potential grounds for filing these types of lawsuits. However, criminal prosecution often takes precedence over civil litigation matters when dealing with such incidents. Ultimately, the specific circumstances surrounding a person's death will dictate whether their surviving family members have grounds for a wrongful death claim in Oregon – making it essential to consult with an experienced attorney who can evaluate the unique facts of each case.
How do commercial truck accidents in Oregon differ from regular car accidents?
Commercial truck accidents in Oregon are fundamentally different from regular car accidents in several critical aspects. While both types of accidents can cause damage, injuries, and even death, the enormity and weight of commercial trucks make these incidents far more severe than collisions involving passenger vehicles. The primary factor setting commercial truck accidents apart is trucks' sheer size and force. When a large commercial vehicle collides with a smaller car, the impact is significantly magnified due to the immense weight disparity. Consequently, this often leads to extensive property damage and catastrophic injuries for victims involved in such a crash. In fact, according to data from the National Highway Traffic Safety Administration (NHTSA), large truck collisions account for roughly 12% of all traffic fatalities in Oregon despite only making up about 4% of registered vehicles on the state's roads. Another crucial distinction lies in how these cases are handled legally. Unlike regular car accidents, where insurance claims usually involve just two parties - the drivers - commercial truck crashes often entail multiple parties that may be held liable. For instance, responsibility could fall on the driver, their employer, or even subcontractors tied to maintenance or loading procedures. These other parties complicate matters further since each has an insurance policy that must be considered when determining compensation for injured victims. This entails navigating complex relationships between various insurers, which can sometimes lead to disputes over liability or coverage limits, making it essential for accident victims seeking justice to have skilled legal representation well-versed in this area. Lastly, special regulations govern how commercial trucks operate within Oregon through federal and state laws like those enforced by the Federal Motor Carrier Safety Administration (FMCSA). Examples include rules dictating how long drivers can work without rest breaks or specific requirements regarding vehicle maintenance checks before trips commence. In conclusion, while commercial truck and regular car accidents involve potential property damage, injury, or loss of life –the former's severity tends to be far more significant. Moreover, such incidents necessitate the navigation of various additional legal complexities like multiple parties, intricate insurance issues, and compliance with specific industry regulations. Therefore, it is crucial for Oregonians injured in commercial truck accidents to seek expert legal advice from experienced personal injury attorneys like those at Pacific Injury Law Firm to ensure they receive the justice and compensation they deserve.
What are the leading causes of pedestrian injuries involving vehicles in Oregon?
In Oregon, pedestrian accidents involving vehicles have become a growing concern for both authorities and residents. Several factors contribute to these tragic incidents. Some of the most common causes are distracted driving, speeding, failure to yield the right-of-way at crosswalks, driving under the influence of drugs or alcohol, and poor visibility due to weather conditions or inadequate lighting. Distracted driving is one of the leading causes of pedestrian accidents in Oregon. Drivers preoccupied with cell phones, GPS devices, or other gadgets may not notice pedestrians crossing streets or walking along sidewalks. This lack of attention can lead to devastating consequences for those on foot. Speeding is another significant factor contributing to pedestrian injuries. When drivers exceed posted speed limits or fail to adjust their speeds according to traffic and weather conditions, they may not have enough time to react when a pedestrian is in their path. High-speed collisions are more likely to result in severe injuries or fatalities than lower-speed crashes. Failure to yield the right-of-way at crosswalks is another cause worth mentioning. In many cases where pedestrians have been struck by vehicles while using crosswalks in Oregon cities such as Portland and Eugene, drivers failed to stop for them as required by law. This type of behavior puts pedestrians at significant risk for injury. Driving under the influence (DUI) also remains a prevalent issue impacting pedestrian safety throughout Oregon. Motorists impaired by drugs or alcohol often experience delayed reaction times and impaired judgment capabilities—two factors that can be disastrous when encountering people on foot. Poor visibility caused by weather conditions like heavy rain or fog can also compromise driver awareness levels making it difficult for them to see pedestrians sharing roadways; moreover, inadequate street lighting during nighttime hours further exacerbates this problem. While it's essential for drivers always exhibit caution when operating motor vehicles around pedestrians, sometimes those on foot contribute to accident causation through negligent behavior such as jaywalking and not paying attention to their surroundings, ultimately leading to collisions with vehicles. In cases where both parties share responsibility for pedestrian injury accidents, Oregon's comparative negligence laws will determine the proportion of fault and any subsequent compensation owed to the injured party. In summary, multiple factors contribute to pedestrian injuries involving vehicles in Oregon. Addressing these issues through vigilant driving habits, improved infrastructure, and heightened awareness among pedestrians can help reduce the frequency and severity of such incidents.
How Does an Oregon Personal Injury Law Firm Assist in Wrongful Death Cases?
An Oregon personal injury law firm, such as Pacific Injury Law Firm, can assist those dealing with the devastating aftermath of wrongful death. By leveraging their expertise in investigating the death's circumstances and gathering crucial evidence, they can help build a strong case for compensation for the deceased's estate and surviving family members. Navigating Oregon's wrongful death laws can be incredibly complex; however, an experienced attorney from a reputable law firm will be well-versed in these legal intricacies. They will interpret relevant statutes and case law and ensure that all procedural requirements are met, including timely filing of claims and appropriate notification of involved parties. In addition to managing the legal aspects of a wrongful death case, an attorney from an Oregon personal injury law firm can provide much-needed support during negotiations with insurance companies. Insurance adjusters often attempt to minimize payouts or deny claims altogether; having skilled representation by your side can prove instrumental in securing fair compensation for your loss. Moreover, an attorney from an Oregon personal injury law firm will have access to resources that may not be readily available to individuals pursuing wrongful death claims on their own. This includes expert witnesses who can provide essential testimony regarding medical expenses incurred due to the deceased's injuries or projected lost income resulting from their untimely passing. Ultimately, working with an experienced Oregon personal injury law firm in a wrongful death case means entrusting your claim with professionals who understand what it takes to achieve optimal outcomes. They will tirelessly advocate on your behalf in court proceedings if necessary – handling everything from pre-trial motions through potential appeals – ensuring that you receive maximum restitution for your loved one's suffering. In conclusion, partnering with an Oregon personal injury law firm like Pacific Injury Law Firm when faced with a wrongful death case offers significant benefits: - Thorough investigation and evidence collection - Adept navigation of complex state laws - Skilled negotiation tactics when dealing with insurance companies - Access to vital resources such as expert witnesses and representation in court By entrusting your claim to these professionals, you can rest assured that they will work diligently to secure the best possible outcome for you and your family during this challenging time.
What are the leading causes of commercial truck accidents in Oregon?
Commercial truck accidents in Oregon can have devastating consequences for motorists and pedestrians alike. The sheer size and weight of these vehicles, coupled with the high speeds at which they often travel, make them a significant hazard on the road. Understanding the common causes of commercial truck accidents in Oregon is critical to raising awareness and promoting safer driving practices. One major cause of commercial truck accidents is driver fatigue. Long hours behind the wheel can lead to drowsiness and decreased alertness, which may result in slower reaction times, impaired judgment, or even falling asleep while driving. Federal regulations limit the number of hours a commercial truck driver can work per day and mandate rest periods; however, some drivers may still push their limits or falsify logbooks to meet tight deadlines. Distracted driving is another all-too-common factor in commercial truck accidents. This includes texting or talking on a cell phone, eating or drinking, adjusting radio controls, using GPS devices, or engaging in other activities that take a driver's attention off the road. Speeding remains one of the primary factors contributing to truck-related crashes. Traveling at excessive speeds makes it more difficult for trucks with large loads to stop quickly when faced with an unexpected obstacle or sudden change in traffic flow. Improper cargo loading can also create instability for trucks on the roadways. Overloading a trailer beyond its legal weight limit increases stopping distances and decreases maneuverability – both significant hazards when navigating heavy traffic. Equipment failure due to inadequate maintenance also contributes significantly to many truck collisions. Brake malfunctions are especially problematic because they reduce the braking power needed during emergency stops. Driving under the influence (DUI) of drugs or alcohol remains an ongoing concern among commercial drivers nationwide – including those operating large rigs through Oregon's highways and byways. Lastly, external factors such as adverse weather conditions (rainy roads leading to slippery surfaces) and unexpected road hazards play roles in causing these devastating crashes. In conclusion, many factors contribute to commercial truck accidents in Oregon, including driver fatigue, distracted driving, speeding, improper cargo loading, equipment failure due to inadequate maintenance, and DUI. By understanding these causes and promoting safer driving practices among commercial drivers and other road users alike, we can help make Oregon's roads safer for everyone.
What constitutes a wrongful death case in Oregon?
In Oregon, wrongful death is a fatality resulting from another person or entity's wrongful act, neglect, or default. This broad definition encompasses various circumstances and incidents that can lead to a wrongful death claim. The underlying principle is that if the victim had survived the incident, they would have had the right to file a personal injury lawsuit against the responsible party. Wrongful death claims compensate both the deceased person's estate for their losses and their surviving family members for their ensuing damages. The statutory framework governing wrongful death claims in Oregon can be found in Oregon Revised Statutes (ORS) section 30.020. Under this statute, eligible claimants include spouses, children, parents, and other dependents or beneficiaries of the deceased individual. These individuals may seek compensation for various damages sustained due to their loved one's untimely demise. Some common examples of damages sought in wrongful death cases include funeral expenses; medical expenses incurred before death; lost wages and future earnings potential; loss of companionship; emotional distress experienced by family members; pain and suffering endured by the deceased before passing away; and punitive damages aimed at punishing particularly egregious conduct on behalf of defendants. It is important to note that Oregon law imposes strict time limitations on filing wrongful death lawsuits. Generally speaking, such claims must be filed within three years from the date of injury leading to the subsequent demise or within one year from when reasonably discoverable under certain circumstances involving medical malpractice. Given these time-sensitive constraints and complexities surrounding evidentiary burdens associated with proving causation between alleged misconduct or negligence leading up to fatal outcomes, seeking legal counsel with expertise in navigating Oregon's specific legal landscape related to wrongful deaths is highly advisable. In sum, then: Wrongful deaths in Oregon are defined as fatalities caused by another party's wrongdoing—intentional acts or negligent behavior—resulting in compensable losses suffered by both the decedent's estate and their surviving loved ones. Claimants are responsible for adhering to strict filing deadlines and demonstrating causation between alleged misconduct or negligence leading to fatal outcomes. This underscores the importance of securing experienced legal representation in such matters.
How Can a Personal Injury Law Firm Assist After a Commercial Truck Accident in Oregon?
In the aftermath of a commercial truck accident, victims are often left reeling from not only the physical pain and suffering but also the emotional trauma and financial strain that such an event can bring. In these circumstances, retaining the services of an experienced Oregon personal injury law firm like Pacific Injury Law Firm can be invaluable in helping navigate the complex legal landscape surrounding commercial truck accidents and securing fair compensation for your injuries. One of the primary ways that a skilled personal injury attorney can assist with a commercial truck accident case is by conducting a thorough investigation into the circumstances surrounding the crash. This may involve examining police reports, interviewing witnesses, reviewing medical records, analyzing vehicle maintenance logs, and consulting with experts in various fields such as accident reconstruction or mechanical engineering. By collecting and preserving crucial evidence early on in your case, your attorney can help build a strong foundation to support your claim for damages. In addition to gathering evidence to substantiate your claim, an Oregon personal injury law firm can provide vital guidance when it comes to navigating federal and state regulations governing commercial trucking operations. For example, there may be specific rules regarding hours-of-service limitations for drivers or requirements for vehicle inspections that could play important roles in determining liability in your case. A knowledgeable attorney will understand how these regulations apply to your situation and work diligently to hold all responsible parties accountable. Another essential role played by an Oregon personal injury law firm is negotiating with insurance companies on behalf of their clients. Insurance adjusters often attempt to minimize payouts by disputing liability or downplaying the extent of victims' injuries – tactics that can prove particularly challenging when dealing with large trucking companies that have deep pockets and experienced legal teams at their disposal. By enlisting professional legal representation from Pacific Injury Law Firm or similar firms well-versed in handling commercial truck accident cases, you stand a better chance at securing fair compensation without having to face insurance companies alone. Finally, should negotiations fail or if necessary for other reasons, your attorney will be prepared to represent your interests in court, advocating on your behalf and presenting a compelling case for damages. Through their expertise and dedication, an Oregon personal injury law firm can help ensure that you receive the maximum compensation available for your injuries, providing some measure of justice and financial relief as you focus on healing and rebuilding your life after a devastating commercial truck accident.
What are the leading causes of car accidents in Oregon?
Car accidents in Oregon, as with many other places in the United States, are an unfortunate reality of our increasingly fast-paced and congested roads. While the specific circumstances of each accident may vary, several common causes contribute to a significant portion of these incidents. Distracted driving is one of the primary factors leading to car accidents in Oregon. With the proliferation of smartphones and other electronic devices, drivers face many potential distractions while behind the wheel. According to research, texting or talking on a phone while driving can increase crash risk by up to four times. In addition, adjusting GPS settings or attending to children and pets can also divert attention from the road. Speeding is another major contributor to car accidents in Oregon. Driving at excessive speeds reduces reaction time for drivers and increases both stopping distance and impact force during collisions. The National Highway Traffic Safety Administration (NHTSA) reports that speeding affected approximately one-third of all motor vehicle fatalities nationwide between 2005 and 2014. Driving under the influence (DUI) of alcohol or drugs remains a persistent problem on Oregon roads despite widespread awareness campaigns and stringent enforcement efforts. Impaired drivers often have reduced cognitive function, slowed reflexes, impaired vision, and poor decision-making abilities – all factors contributing significantly to crash risks. Reckless driving behaviors such as tailgating or weaving through traffic can also lead to devastating consequences for motorists in Oregon. These actions put both oneself and others on the road at risk for severe injuries or even fatalities. Poor weather conditions – including rain, fog, snow, or ice – are another common cause of car accidents in Oregon due to reduced visibility and traction on wet or slippery surfaces. Drivers who fail to adjust their speed accordingly increase their likelihood of losing control over their vehicles. Lastly, failing to follow traffic signals or signs can lead to dangerous situations where collisions become highly likely. This may include running red lights, ignoring stop signs, or failing to yield the right of way. In some cases, vehicle defects or hazardous road conditions can also contribute to car accidents in Oregon. For example, poorly maintained roads that lead to dangerous potholes or defective vehicles with faulty brakes can create situations where drivers cannot control their cars and avoid collisions. In summary, Oregon's most common causes of car accidents include distracted driving, speeding, DUIs, reckless driving behaviors, poor weather conditions, and failure to obey traffic signals or signs. To reduce the risk of such incidents on Oregon's roads, drivers must always remain vigilant and prioritize safe driving habits above all else.
What are the immediate steps I should take after a car accident in Oregon?
Immediately following a car accident in Oregon, it is crucial to prioritize your safety and the safety of others involved. Moving your vehicle out of the roadway to prevent further accidents or hazards if you can. Once you have ensured that you and any passengers are safe, call 911 to report the accident and request medical assistance. It is essential not to overlook any potential injuries, as some may not be immediately apparent and could worsen without prompt attention. After contacting emergency services, exchange contact information with other drivers or parties involved in the accident. This should include names, phone numbers, addresses, driver's license numbers, license plate numbers, and insurance information. Be sure not to discuss fault or apologize for the incident at this time—such statements could potentially be used against you later on. Documenting the scene of an accident can prove invaluable when building a legal case or negotiating with insurance companies. Take photographs of all vehicles from various angles, capturing any damage sustained and surrounding conditions like traffic signs or road markings. Additionally, note down weather conditions at the time of the crash and gather contact information from witnesses who may be able to provide an account of events leading up to and following the collision. Once these immediate steps have been taken—prioritizing safety, contacting emergency services, exchanging contact details with others involved in the crash—you should consult an experienced Oregon personal injury attorney before accepting any settlement options from insurance providers or other parties implicated in your case. A skilled Oregon motor vehicle accident lawyer will examine your circumstances closely: assessing potential damages incurred, such as property loss; medical expenses for treating injuries sustained during an auto incident; lost wages due compensation while recovering from physical harm and emotional distress suffered after experiencing trauma firsthand—to ensure that they secure maximum compensation on behalf their client(s). In conclusion: - Prioritize personal safety after a car accident by moving vehicles out of harm's way (if possible). - Call 911 to report the incident and request medical assistance as needed. - Exchange contact information with all parties involved. - Document the scene thoroughly with photographs and witness accounts, and finally, consult an experienced Oregon personal injury attorney before agreeing to any settlement arrangements. These steps will help you protect your rights and ensure that you receive fair compensation for the losses incurred due to the accident.
What compensation is available in Oregon wrongful death cases?
In Oregon wrongful death cases, where the untimely demise of an individual results from another party's negligence or misconduct, the responsible party may be held liable for damages. The legal system allows for various compensatory remedies to ease the financial and emotional burden on surviving family members. As outlined by Pacific Injury Law Firm, a personal injury law firm in Oregon, these damages can be categorized into several distinct types. Firstly, there are medical expenses incurred before death. This includes costs associated with treatments and hospitalization that occurred before the deceased died due to their injuries. The idea is to alleviate survivors from bearing the brunt of these often-exorbitant charges. Secondly, funeral and burial expenses are considered recoverable damages in wrongful death cases. These costs can quickly add up and place an unexpected financial strain on grieving family members already coping with such a tragic loss. Another category comprises lost future earnings or income potential of the deceased individual. When determining this compensation amount, the court will consider factors such as age, health condition before the injury, occupation, and earning capacity. This damage category aims to provide financial support for dependents who would have otherwise relied on that person's income. A more intangible damage category is loss of companionship or consortium – in other words, compensation for emotional pain and suffering experienced by surviving loved ones resulting from their inability to share life experiences with their deceased spouse or partner. Lastly, punitive damages may sometimes be awarded in particularly egregious cases where it is deemed that the guilty party's conduct warrants additional punishment beyond compensatory measures alone. These are intended as retribution against those responsible parties and deterrence for others considering similar actions. In summary, Oregon law provides various avenues through which victims' families may seek relief in wrongful death cases: medical expenses; funeral/burial costs; lost future earnings; loss of companionship/consortium (emotional pain and suffering); and, in some instances, punitive damages. All these remedies are designed to help grieving families find solace in the aftermath of a tragic loss caused by another's wrongdoing.
How is liability determined in an Oregon wrongful death lawsuit?
In an Oregon wrongful death case, determining liability involves a thorough examination of the specific facts and circumstances surrounding the incident. The claimant must establish certain elements to prove that the defendant is responsible for the death due to their negligence or wrongful actions. These elements include duty of care, breach of duty, causation, and damages. Firstly, it must be established that the defendant owed a duty of care to the deceased person. Duty of care refers to a legal obligation on individuals or entities to exercise reasonable caution while performing actions that could potentially harm others. In wrongful death cases, this often applies to situations such as medical professionals providing treatment or drivers operating vehicles. Once it has been established that a duty of care existed between the defendant and deceased person, the claimant must then demonstrate that this duty was breached. This may involve showing evidence that the defendant failed to adhere to established standards or acted in a manner contrary to what a reasonably prudent person would have done under similar circumstances. The next element required in determining liability is causation. To successfully argue causation in an Oregon wrongful death case, it is necessary for claimants not only to show that there was a connection between defendants' breach of duty and deceased's death but also that defendants' negligence was a substantial factor in causing their demise. Lastly, damages must be proven by demonstrating how much financial loss has been suffered by surviving family members due to their loved one's untimely passing. This can include compensation for funeral expenses, loss of income from decedent's work contributions, and emotional suffering experienced by family members who are left behind. In conclusion, liability in an Oregon wrongful death case depends on whether these vital elements have been sufficiently demonstrated: proving existence and breach of duty owed; establishing causation; and quantifying financial losses resulting from decedent's passing. By meticulously examining each aspect related to these factors within specific cases at hand—along with guidance from experienced legal counsel—surviving family members can better navigate the complex realms of wrongful death litigation and potentially secure rightful compensation for their immeasurable losses.
Who is liable in a commercial truck accident in Oregon?
In Oregon, determining liability in a commercial truck accident case can be complex due to the numerous parties that may be held responsible. The potentially liable parties in such instances may include the truck driver, the trucking company, the owner of the truck or trailer, the company responsible for maintaining the truck, the cargo loading company, or even the manufacturer of the truck or its parts. Each case is unique and requires thorough investigation to establish fault based on specific circumstances and contributing factors. The primary party often considered at fault is usually the truck driver. Factors like distracted driving, fatigue due to hours-of-service violations, speeding, or other traffic violations could lead to their negligence being established as a cause for an accident. However, it is important not to overlook other contributing factors that might implicate different parties. For instance, if a driver's employer was aware of these violations but failed to take corrective action or encouraged unsafe practices to meet tight deadlines, they could also be held liable under vicarious liability principles. This principle holds employers responsible for their employee's actions when those actions are committed within their scope of employment. Another possible defendant could be whoever owned and maintained both trucks and trailers involved in an accident. If it can be proven that poor maintenance led directly – or indirectly -to an incident occurring (such as brake failure), then this party might also find themselves facing legal action. Cargo loading companies may also bear responsibility if they improperly loaded freight onto a vehicle that subsequently caused an accident (for example, by making it top-heavy). Additionally, vehicles and parts manufacturers could face legal repercussions should any manufacturing defects play a role in causing incidents on Oregon roads. Determining liability in Oregon commercial truck accident cases involves carefully examining all relevant factors surrounding an incident. While drivers are often found at fault for such accidents due to negligence on their part while operating their vehicles, other entities such as employers who fail to enforce proper working practices, maintenance service providers, cargo loading companies, and even manufacturers might also face liability claims depending on the circumstances of each case. As such, it is vital for those affected by these incidents to seek experienced legal counsel who can effectively navigate this complex area of law.

Oregon Personal Injury Law Blog

We work hard to stay up to date on the law and developments in Oregon injury law that may help our clients. Our firm maintains a policy of "information first" for the client, so we make every effort to share information with the public and clients. Our blog covers topics from the frequently asked questions (FAQs) that Oregon injury Lawyers encounter to news headlines that impact attorneys who help injured people. If there is a topic you would like to see covered, let us know, and we'll add it to our list of subject matter!

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Car Accident Injury

Car accidents turn lives upside down, leaving a trail of injuries and medical bills. In the chaotic aftermath, let us guide you through the legal maze and secure the compensation you deserve.

Commercial Truck Accident Injury

Big trucks often mean significant accidents. When one of these beasts of the road goes off script, it can cause huge damage. Let us navigate the complexities of commercial insurance.

Wrongful Death

Wrongful death cases are some of the hardest matters to handle for clients because money cannot replace a loved one. However, after death from negligence, financial recovery can help the family move f

Personal Injury

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Pedestrian Accident Injury

Sometimes you don't even have to be driving to be in a car accident. Did you know that car insurance can and does cover pedestrian accidents? We do. Let us help.

Motorcycle Accident Injury

Discover expert representation for motorcycle accident injuries in Oregon with Pacific Injury Law Firm. Our dedicated attorneys specialize in overcoming biases and securing maximum compensation for mo

Premises Liability

Stores and places open to the public have a duty to keep you safe. If negligence causes slips, trips, burns, breaks, or falls, we can help.

Bicycle Accident Injury

In Oregon's cycling community, accidents impact deeply. Our lawyers focus on swift insurance claims for injured cyclists. You focus on recovery; we'll get you back in the saddle financially.

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