Progressive Developments in Personal Injury Protection Law
Until now, insurance companies have felt free to deny PIP claims without fear of retribution. Thanks to the good work of Pendleton attorney Gene Hallman, the Oregon Court of Appeals has held in Anderson v. Farmers Insurance Company of Oregon, 188 Or App 179, 71 P3d 144 (2003) that insurance companies who fall short of their duties in personal injury protection claims can be held accountable for the damage they cause.
Frank Anderson had three automobile insurance policies with Farmers Insurance. The PIP portions of each policy provided for medical coverage of $25,000. A policy provision expressly prohibited stacking of PIP policies.