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If you purchase auto insurance in Washington State, you’ve likely had the opportunity to add something called Uninsured Motorist Coverage (UM) and Underinsured Motorist Coverage (UIM). In Oregon, you are required to purchase UM/UIM. Essentially, UM provides coverage if the other guy is without insurance and UIM provides coverage if the other guy’s insurance…

Not a lot of folks realize it, but nearly all medical providers charge you a fee for a copy of your medical records. These fees can be in the thousands of dollars and come out of your settlement or judgment for your injury. In the past, medical providers would ask injury victims for $624.51,…