Oregon requires all drivers to have multiple types of auto insurance coverage in case of a serious accident. One of the forms of mandatory auto insurance is personal injury protection (PIP) insurance. When an individual suffers physical, emotional, and financial damage in a motor vehicle accident, PIP insurance covers the costs, no matter who is…
Because motorcycles do not have the same safety devices that keep car occupants safe, such as seat belts, airbags, and a durable exterior shell, motorcyclists tend to suffer more severe injuries in crashes than other motorists. Motorcycle accident injuries often require multiple surgeries, extensive rehabilitation, or even long-term care. If you or someone you care…
Earthquakes are a common occurrence in Oregon and have the potential to cause terrible damage to your property. In most cases, homeowner policies, as well as mobile home, condominium, and renter insurance policies, don’t cover earthquakes. Oregon’s Department of Consumer & Business Services reports that only around 20% of Oregonians have earthquake coverage since the…
With technology advancing every day, more businesses and individuals use video surveillance to keep their property and themselves safe. If you walk down the street, chances are you’ll encounter several security cameras either on street lights or outside garages. Many people also invest in Ring Doorbells, which take video recordings when movement is detected outside…
Insurance is strange in that it’s a product purchasers hope to never need to use and, in many cases, never do. Apparently aware of this predicament, many insurance company advertising campaigns seek to entertain by poking fun at all that is mundane about insurance, which is, well, everything. Bring up the topic of insurance at…
Personal injury protection (PIP) is an important part of insurance policies that are issued in the state of Oregon. In fact, all automotive insurance policies that are issued must include a minimum PIP coverage of at least $15,000. When you file a claim after a car accident, PIP will cover the necessary and reasonable medical…
Do not be fooled by clever commercials and advertising slogans; insurance companies are definitely not out for your best interests. Unfortunately, accident victims may not know this or may believe their experience with the insurance company will be different. This is why you should try to educate yourself on the tactics insurance companies will use…
Washington State law says individual insurance adjusters cannot be held liable for bad faith or other violations of the Consumer Protection Act (CPA). However, last year’s Court of Appeals ruling in Keodalah v. Allstate Ins. Co. is in direct conflict with that law. The court found the bad faith statute in Washington applies to all…
Insurance claims can be a complex process, Portland insurance claims lawyer Richard Rizk discusses Long Term Disability and Insurance issues. “The appeal letter is awesome! I recommend you (Richard Rizk) to anyone who has gone up against those big unethical insurance companies that unfairly strip people of their benefits. Thank you so much for your…
The Oregon Department of Insurance and Finance (ODI & F) regulates the business of insurance in Oregon. If you are a beneficiary of a life insurance policy and have been denied benefits, perhaps you have come to realize that there is little ODI & F can or will do to help you resolve your contested life insurance claim….