Finding yourself injured in a car accident can make for a difficult journey. Not only do you have to heal from the trauma of the accident and the physical injuries you’ve experienced, but you may find yourself at a financial disadvantage now. Your vehicle may be damaged, which could be an added level of frustration if you commute to your job or use your car for your job. On top of that, you may find yourself with a pile of medical bills while your attorney and your insurance company sort out what happened and what you’re entitled to.

After experiencing a car accident injury, your health insurance will be able to cover costs, depending on your individual coverage. In the meantime, who should pay those medical bills? Here are some of the most important questions you might have in this situation.

1. The Short Answer

Let us say that you’re in a car accident and you are taken to the hospital. There, you’ll recover and incur medical expenses throughout your treatment. Your Personal Injury Protection (PIP) insurance policy will cover those medical expenses in part or in full, and can grant you other protection as well (such as wages lost due to your injuries or rehabilitation costs).

If you require some kind of specialty care that isn’t covered under Personal Injury Protection, your private insurance should pay for any additional costs. If that happens, your private insurance will take what’s called a statutory lien on your case. Once your legal case is closed and you receive a settlement, your private insurance will be repaid the amount of that lien from the Personal Injury Protection policy.

A Personal Injury Protection policy does not cover everything. For instance, it doesn’t cover you if you are in an accident if you’re driving for work purposes, or if you’re in a driving accident while committing a crime. It doesn’t cover damage to someone else’s property or damage to your own vehicle. Those other bills you can pay out of pocket or pay through other auto insurance policies.

2. What If I Don’t Have Medical Insurance?

This might be where things get a little scary, and when having an attorney to represent your case will come in handy.

You may not have medical insurance of your own, or you may have to use medical providers outside of your regular insurance coverage. Maybe you were traveling out of the area where your insurance is accepted, so you incur out-of-network charges. Either you can pay those medical expenses out of pocket, or the insurance provider will take a lien out on the proceeds of your case. If they set a lien, your attorney can give the provider a Letter of Protection.

The Letter of Protection is a contract between the provider and the attorney and will be fulfilled when a settlement is reached in your case. This will give you some insulation and some breathing room, as it ensures that when your attorney receives the settlement money, they will pay the provider first out of the settlement you receive. It effectively gives the provider first shot at the settlement money, in exchange for putting off billing you immediately.

3. What If I Caused the Accident?

Oregon happens to be an “at-fault” state. If your actions caused the accident, you (and your insurance company) are responsible for paying for the damages, including any medical treatment. You could also be on the financial hook for other expenses like lost income and vehicle damage for the other party.

If you find yourself in this situation someday, one thing you can do to prevent confusion is to make sure you understand your current insurance policies, and strengthen them or get new ones if they don’t meet your needs. For example, liability insurance doesn’t apply to your own injuries or vehicle damage in Oregon, so you want to make sure you have that in addition to a Personal Injury Protection policy.

Not all accidents are straightforward, either. If you are partially responsible for the accident, you are still eligible for a settlement, as long as you’re less than 50 percent responsible. Dangerous weather conditions, slippery or confusing roadways or signage, and traffic light malfunctions are some common causes of accidents where you may be partially at fault.

4. How Long Until the Settlement Is Agreed To?

The length of your insurance settlement can take longer than you think. We usually estimate that a personal injury settlement will take about two years to come to an agreement, but that may sound like too long for you to wait. Some of this time is allotted to you recovering from the accident, and physical therapy sometimes can take a while. You want to be closer to the end of your treatment before starting those proceedings, so your attorney may wait so that you are closer to being physically recovered. Then, records must be documented and collected as the case is worked and finally the settlement can be negotiated and agreed to.

If you’re concerned about having a medical lien on your case for that long, you might also be wondering how a lien affects the rest of your life. A lien doesn’t impact your credit score or your wages. The only impact this lien will have is on your medical bills and your settlement when it comes to completion.

5. How Much Am I Entitled To?

That’s hard to say; there are so many factors in each case. It can also depend on what kind of medical problems you face on a day-to-day basis: do you have tense muscles, a smaller range of motion, or a preexisting injury that was made worse or created by the accident? Some of these are small and some are large. There is a maximum damage cap of $500,000, so you can’t receive more than this amount in a personal injury case in Oregon.

The expert team at Warren Allen Personal Injury Attorneys in Portland, Oregon will help you with legal representation and advice. If you have experienced a car accident injury, contact us today to learn about your options.

 

Unexpected expenses can pop up anytime. And for many people, these expenses seem to always arise at the worst possible moments, like getting in a car accident when you’re forgotten to renew your insurance or having a big bill pop up after you’ve just bought something expensive. But one thing you can do to not have unexpected expenses wreak havoc with your financial security is to have an emergency fund ready to tap into when needed. However, actually putting money into an emergency fund won’t be easy for everyone.

If you’re currently struggling with this, either in concept or execution, here are three tips for building an emergency fund.

Think About How Much You Can Afford To Set Aside Each Month

An emergency fund is only ever going to get started if you intentionally start diverting money into this type of savings account. So to make this possible for you, you need to think about how much money you can afford to set aside each month.

Even if you’re only able to set aside a few dollars a month at this point, changing your mindset so that you’re thinking about saving can make a big difference. And, once you’ve created the habit of putting emergency savings into your budget and have consistently started doing this, it might become easier to put more money aside in the future.

Commit To Putting Any Extra Toward Your Emergency Fund

While you might not have a lot of money in your typical budget to allocate toward an emergency fund, one thing that you can do to help to more quickly build your emergency fund is to commit to putting any extra money you get toward this savings account.

If you get a bonus at work, get money back during tax time, or are given a financial gift for some reason, already committing in your mind that you’re going to save this money rather than instantly spend it can help you to build up your emergency fund even if you’re not able to contribute a lot of money on a monthly basis.

Make Contributing Money A Habit

If you haven’t gotten into the habit of putting money toward an emergency fund in the past, getting into the habit of budgeting in this way can take some getting used to. But if you’re able to make contributing money a habit that you expect to do on a weekly or monthly basis, it will soon become second nature to you. And when this happens, you’ll be surprised at how quickly your savings are able to add up.

If you’re ready to start giving yourself a financial cushion for when unexpected expenses arise, consider using the tips mentioned above to help you get started on building your emergency fund.

 

Poker is quickly becoming one of the most lucrative ways for people to win money online. Reportlinker projects that the global casino industry will grow from $123.4 billion in 2020 to $153.2 billion in 2026 — and this is in large part due to the popularity of online poker. Despite this tremendous growth, poker sites continue to heighten the poker experience. And one of its latest innovations is the incorporation of blockchain technology.

The introduction of blockchain technology in itself has been groundbreaking. Because it improves security and efficiency, it has been adopted into many industries like healthcare, finance, and education. Now, it is being incorporated into the casino industry through poker, changing how we play. Here’s what you need to know.

Safer, faster, and cheaper transactions

Many online poker sites, like Ignition Poker and Bovada, now allow players to make transactions with cryptocurrencies, which can lead to maximized security. CNBC explains that cryptocurrencies are digital assets that use blockchain technology and computer code to operate independently without a central party. As it operates on a decentralized system, crypto transactions are far safer and more secure. They also result in greater efficiency and lower costs. Poker sites usually have to go through banks and other authorities before they process and approve a transaction. But since cryptocurrencies are decentralized, it eliminates the need for these third parties. This cuts down transaction times from days to minutes.

Greater privacy

Another prominent feature of cryptocurrencies is their purported capacity for anonymity. While complete anonymity usually isn’t the case, transacting with crypto does allow for greater privacy. While poker sites are generally safe, many players tend to be hesitant when providing sensitive information like their personal details, payment methods, and location. With crypto, you can still enjoy the same security of transactions that you would without needing to provide as many details. Because your transactions are recorded on the blockchain under unique IDs, they cannot be compromised. This means you can enjoy heightened security without giving away your personal details.

Fairer gaming

Poker platforms based on blockchain technology can heighten fair gaming. These sites store their gameplay value in smart contracts. These are self-executing codes that cannot be tampered with. As such, they ensure that no centralized party — not even the platform itself — can influence the outcome of a game. With blockchain, players can also verify a game’s fairness on their own.

Broader acceptance of poker

For you to play online poker, it has to be legalized in your state. As of now, only six states have done just that. With the pace of nationwide legalization slowing, all of the above benefits of the blockchain are converging to spur on the legalization of online poker across US states. One of the main reasons that online poker is limited is that transactions aren’t allowed to be made by a bank operating across state lines. But because cryptocurrencies are being transferred directly from your app to your poker account, no banks are involved. And with crypto gaining greater credibility, more states are reconsidering poker legalization.

Thus far, the blockchain is heightening online poker’s efficiency, safety, and reliability. As both the game and the technology grow in popularity, increasingly more people can benefit from playing on online poker platforms.

If you want more news on tech, you can find more here on Go Big Always.

Horse racing betting isn’t very different from betting on regular sports. There are just three key differences: (1) Instead of using teams and players, you’ll be choosing individual horses, (2) instead of playing against each other, you’ll play against the bookies, and (3) instead of winning or losing, your goal is to maximize the return. Here’s a quick guide on how to beat bookmakers at their own game:

Horse Betting Strategy

In horse racing, there are two ways to bet at aussie sports betting and win. You can bet on which way will win or place first in the race, or you can bet on the total number of points scored by all the horses. It may seem like these options are identical, but they aren’t. Each strategy has its pros and cons. The pros and cons should help you decide which option makes sense for you.

Bet On Which Way Will Win

If you think that your favorite horse will definitely win, you should bet on “Which Way.” The reason that this option is so profitable is that it allows you to use a single wager to profit if both horses finish inside the money. If one of them finishes out of the money, then you lose the entire amount of your wager, but if both horses finish inside of the money, then the value of your combined wagers adds up to more than what you originally wagered.

Bet On Total Points Scored

If you’re really good at handicapping races, then you probably know which horses will come close to finishing first and second. But even if you don’t, you still have an advantage over most bookmakers. Since everyone knows which horse will win, placing a bet on who will score the most points becomes easy than playing roulette online games . The secret here is to make sure that you only bet on horses that have a high probability of scoring a lot of points.

Conclusion

In real money horse betting, you usually want to bet on which way wins because you can combine multiple bets when your favorite horse finishes inside the money while minimizing losses when he doesn’t. However, if you have a strong track record with handicapping races, then betting on the total number of times a horse scores a point is also a viable option. Either way, you need to do some research before deciding which option makes the most sense.

 

In early 2020, the cryptocurrency boom kicked off and hit the mainstream hard. It was the first time that many people heard about Bitcoin, blockchain, and cryptocurrency in general.

There was no escaping it, as everyone had an opinion on prices and currencies. 2021 saw the market mature, and the total market cap of cryptocurrency closed off at a growth of 187.5%.

So you probably know about cryptocurrency, but are you practical enough to have your own portfolio and to keep up to date with everything that’s going on with the various currencies?

If so, you should check out some of the best cryptocurrency apps that can make checking and managing your portfolio easier than ever.

We’ve gone through the best cryptocurrency apps and picked some of the best that the markets have to offer. Keep reading to see our top choices!

Benefits of Cryptocurrency Apps

Some of the best cryptocurrency apps help users manage their funds, make payments, and track prices. Other apps offer things like merchant tools and blockchain exploration.

Cryptocurrency apps can also help you stay up-to-date on industry news and find new and innovative ways to use your digital assets.

In the past year, there has been an influx of new and exciting cryptocurrency apps enter the market. With so many options now available, it can be tough to know which ones to use.

The rise of Bitcoin ATMs also became popular. It simplified the way people transact their cryptocurrencies, click the following page to know more.

Cryptocurrencies are also decentralized, meaning they are not subject to government or financial institution control. This could lead to more stability, as well as increased privacy and security.

Because cryptocurrencies are not tied to any one country, they can be used to easily send and receive payments internationally. Transactions typically have very low fees, sometimes even zero.

Dangers of Using Cryptocurrency Apps

When it comes to using cryptocurrency apps, there are both risks and rewards.

On the one hand, there are many dangers associated with using these apps. For example, if you lose your phone or if it is stolen, then your cryptocurrency could be gone forever.

Additionally, if you use an exchange that is not reputable, you could be at risk of losing your money. If you are not careful, it is easy to make mistakes that can lead to you losing all of your investment.

Another risk to consider is the possibility of scams. There are a lot of people out there who are looking to take advantage of the confusion around cryptocurrency. Be sure to do your research before you use any app.

Remember that the value of cryptocurrency can be volatile. The prices of Bitcoin and other cryptocurrencies can go up and down a lot over time. This means that you could end up losing money even if you don’t make any mistakes.

Overall, it is important to weigh the risks and rewards of using cryptocurrency apps before deciding whether or not to use them.

Cryptocurrencies have many disadvantages. They are often very volatile, meaning their prices can fluctuate rapidly. They can also be quite complex, making them difficult to understand and use.

To better understand, here are the different Cryptocurrency apps together with their differences:

Coinbase

Coinbase is a digital asset exchange company headquartered in San Francisco, California.

Coinbase is a popular cryptocurrency app that meets all of these criteria. Coinbase is user-friendly, offers a variety of features and tools, and is secure. It is a great choice for beginners, as it is easy to use and provides a variety of features.

Furthermore, Coinbase is a large and well-established platform that supports a variety of cryptocurrencies. You can buy and sell cryptocurrencies on Coinbase, as well as store them in a Coinbase wallet.

Exodus

Exodus is a great choice for those looking for an all-in-one cryptocurrency solution. It is one of the best cryptocurrency apps today.

It’s a secure, easy-to-use platform that supports a wide range of digital assets. You can buy, sell, and store your cryptocurrencies all in one place. Exodus is also one of the few platforms that allows you to trade directly with other users.

Exodus is a desktop-based crypto wallet that supports more than 100 assets. The app is well-designed and user-friendly, making it a great choice for beginners and experienced crypto users alike.

Exodus is also one of the few wallets that offer built-in support for ShapeShift, which allows for quick and easy exchanges between different cryptocurrencies.

In terms of security, Exodus utilizes a number of industry-standard features, such as 2-factor authentication and a host of other security measures. Overall, it is a great choice for those looking for a comprehensive crypto wallet.

Blockfolio

Some people swear by Blockfolio, while others prefer CoinMarketCap or Delta. It’s user-friendly and has a ton of features that make tracking your crypto portfolio a breeze.

Plus, their customer service is excellent and they are always rolling out new features and improvements.

It also provides detailed information on each cryptocurrency, including price history and market data. Automatic updates are also available. This is to provide users with the latest information. Lastly, it is secure and protects your investments.

When researching the best cryptocurrency apps to use in 2022, be sure to consider Blockfolio.

It is a cryptocurrency tracker and portfolio manager that allows users to see the performance of their cryptocurrency investments in one place. The app also provides real-time market data, news, and insights.

Delta

As the world of cryptocurrency evolves, so do the apps that we use to manage our digital assets. This year, Delta will be one of the best cryptocurrency apps to use, offering an all-in-one solution for tracking, trading, and storing digital currencies.

Delta is unique in its ability to sync with multiple exchanges and wallets, making it the perfect choice for those who want to keep their portfolios streamlined and up-to-date.

With Delta, you can be sure that you are always on top of the latest price changes and developments in the cryptocurrency space.

In 2022, the best cryptocurrency apps will provide users with the most up-to-date and accurate information about the market, as well as the tools necessary to make informed investment decisions.

Delta Crypto will be one of the leading apps in this space, offering real-time market data, news, and analysis, as well as a suite of features aimed at helping users maximize their profits.

KryptoGraphe

There are a few different ways to measure which are the best cryptocurrency apps.

Some people might look at the number of downloads or active users, while others judge by the app’s usefulness or features. In terms of pure crypto trading and investment, the best app might be Kryptographe.

This app is designed to be your one-stop shop for all things related to cryptocurrencies.

It has a built-in exchange where you can buy and sell different coins, a news section to keep you up-to-date on industry news, and a portfolio tracker to help you monitor your investments.

Kryptographe also includes a handy tax calculator, so you can keep track of your gains and losses come tax time. The Kryptograph app is one of the best cryptocurrency apps to use in 2022.

It allows you to manage your cryptocurrency portfolio, as well as track the prices of the various coins. The app also provides news and analysis of the cryptocurrency market.

Cryptocurrency Wallets

A cryptocurrency wallet is a digital wallet that stores your private and public keys and interacts with various blockchains to enable users to send and receive digital currency and monitor their balance.

If you want to own cryptocurrency, you’re going to need a cryptocurrency wallet.

There are many different types of cryptocurrency wallets, each with its own set of features and security. Choosing the best cryptocurrency wallet for you will depend on your individual needs and preferences.

Cryptocurrency Exchanges

There are a few different types of cryptocurrency exchanges, each with its own benefits and drawbacks. Decentralized exchanges are usually more secure, but may not have as many features or liquidity as centralized exchanges.

In terms of security, it is important to choose an exchange that has implemented strong security measures, such as 2-factor authentication and cold storage. It is important to choose an exchange that offers the features that you need.

The Best Cryptocurrency Apps to Use in 2022

As cryptocurrency becomes more mainstream, there are a growing number of apps that allow users to buy, sell, and invest in different types of digital currency. While there are many different options available, not all of them are created equal.

These are just a few of the many different cryptocurrency apps available. As the industry continues to grow, there will likely be even more options available in the future.

If you’re looking for the best cryptocurrency apps to use in 2022, make sure to check out our list. We’ve researched and compared the top apps to help you make the best decision for your needs.

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