Portland Personal Injury Lawyer

The Portland Personal Injury Lawyers at the Richard Rizk Law Office are there for all persons injured, harmed or hurt due to the negligence or fault of another. Our attorneys have decades of experience in helping those in need and we offer a free, no obligation case evaluation if you have been injured in Portland, or anywhere within the state of Oregon. Call our offices at 503.245.5677 to speak with an attorney.

AVVORichard Rizk Law Office

0434 SW Iowa Street
Portland, OR, 97239

Phone: 503.245.5677
Get Directions

‘Personable’ Personal Injury Lawyer Portland OR.

“Richard Rizk is a client’s hope — an honest, non-greedy, and very warm personable lawyer. He definitely knows the methods of powerful insurance firms and how to untie the knots they use to bind claims for no action.”
— R.A.

Justice for You

You were harmed and it’s not your fault. You are hurting and the situation is, scary and humiliating. You might be angry. Your head is reeling. You are not sure what to do – or who to trust.

Now is the time to heal and rebuild, not haggle over fault, damages or insurance coverage. Insurers hire teams of monitored, measured and highly trained professionals with one goal: pay as little as possible on your claim.

Bicycle Hit and RunYou, on the other hand, have been inundated with cute insurance company ads luring you to believe insurers are on your side. Why? So they can sweep in and quickly settle your claim for peanuts with less resistance.

In recent history, insurers have been very successful extracting low settlements from unrepresented injured people. Following the great recession, everyday people had little money. In a financial pinch, injured folk everywhere settled for pennies on the dollars to meet financial obligations. As more financially strapped claimants accept low-ball settlements, the median claim value decreases. In this way, insurers are rewarded for undervaluing claims, reinforcing low ball tactics.  You need a lawyer with experience, expertise, and passion to fight for justice for you. Richard Rizk is that attorney!

Rizklaw.com: Your personal injury law guide.

Rizk Law.com provides you with valuable information to guide you through the personal injury and insurance claim maze. Because, without expert help no one can effectively fight an insurance company army—especially while still traumatized by serious injury, death or long-term disability.

Remember, insurance claims examiners are not your friend. They are potential witnesses who could testify against you. On the other hand, insurers need certain information to process claims.

It’s a delicate balance. Even if you say all the right things, a claims examiner’s memory may differ from yours. And, winning a he /she said contest against an insurer is a steep uphill battle. Don’t go there. Let Rizk Law be your guide.

Contact Richard Rizk – Personal Injury Attorney @ 503-245-5677 or email him at at rich@rizklaw.com to get help with your accident, personal injury, and insurance claims.

The Dark Side

A view from the dark sideConfessions and Insights of a Former Insurance Defense Attorney & Claims Examiner

From 1990 to 1996 I worked as Nationwide Insurance and Wausau Insurance in house counsel. In that role I defended workers’ compensation claims, slip and falls and car accident injury claims. From 1996 to 2000 I supervised and negotiated resolution of environmental claims and litigated cases nationally from Nationwide’s satellite home office in suburban Chicago. Since then, I have switched to the side of righteousness and justice representing and litigating and resolving personal injury and insurance companies in Oregon and Washington state. Along the way, I have learned many valuable lessons and insights, I share 10 with you here.

View the full article here

Respected Insurance Veteran

AVVOMr. Rizk has extensive experience in the field of insurance law. He is a passionate and effective advocate for the rights of the insured. I endorse this lawyer.”  –Jeremy Craft (Non- affiliated Lawyer)

Maximizing large loss claim recovery requires timely identification and triggering of rights and duties, under sometimes conflicting insurance provisions. Richard Rizk is one of few Oregon lawyers with the experience to efficiently harvest insurance benefits in the context of your catastrophic personal injury claim or large loss property loss.

The key to large loss resolution is accessing money to pay for the loss. Insurance is, by far the largest potential single source of funds to pay for catastrophic losses. As a result, a deep understanding of insurance and the interplay of various coverages is at the heart of effective large loss resolution.

Helping everyday people, like you.

I have effectively resolved automotive injury, environmental and long-term disability claims against America’s most powerful companies. My goal is successful resolution of your claim quickly and for the greatest amount possible.

Personal Injury Attorney Richard Rizk Portland, Oregon

Richard Rizk
Attorney at Law

“Helping Everyday People, Every Day” is not just a slogan. It is my passion. I seek justice for you, an injured and/or disabled person facing a powerful insurance company or employer. Why? Because helping folks in claim distress make the best use of my unique blend of insurance defense and inside claim handling experience. I worked for insurance companies or their law firms from 1990 to 2001. As a result, I know insurers and employers have great power and sometimes abuse that power. I now work to prevent that from happening.

I opened Rizk Law Offices in 2002. I have a big heart and insights only a former insurance attorney can have. Call me if you think I might be able to help you. – Richard H. Rizk

Result Oriented

“Rich pretty much guaranteed the club’s future for the next 50 or 100 years by resolving this lawsuit.” T. F., Oregon State Bar Bulletin, January 2011

“Three attorneys, upon separate accounts over several years, failed to achieve monetary compensation. One attorney, who knows Richard from law school, recommended his firm. What three attorneys could not accomplish over a decade, Richard was able to settle within a year’s time.”  R. A. (Former Client)

 

Former Insurance Company Lawyer

rizklawRichard Rizk knows how insurers and employers think because, over the course of a decade, he strategized for insurers and the employers they insure. As an environmental claims attorney Mr. Rizk, over four years    (1996-2000), managed defense of high-exposure environmental claims and suits on a national basis for Nationwide Insurance. And, earlier (1990-1996) as an insurance defense attorney for Wasusau Insurance, he defended Oregon employers in disability and injury litigation. Rich first drafted disability appeals in the mid-1980s for Oregon’s SAIF (State Accident Insurance Fund).

In 2002 Mr. Rizk opened his own law firm to help the underserved and deserving…everyday people up against powerful insurers and employers. Hire the personal injury lawyer who insurers relied on for so many years. Richard can motivate insurers and employers to pay claims because for a decade he was the legal mind of insurers and employers. More about RizkLaw and Our Team

Here’s what others are saying…

Passionate, Caring & Experienced

Mr. Rizk has extensive experience in the field of insurance law. He is a passionate and effective advocate for the rights of the insured. I endorse this lawyer.”  

Jeremy Craft (Non- affiliated Lawyer)

“My confidence level in using his skills to assist me in this matter went to the “top of the chart” by the end of our conversation. His passion for assisting individuals became absolutely clear to me in our conversation.”

Captain Rutter, (Commercial Airline Pilot)

“He (Mr. Rizk) has extensive experience in insurance related matters and remains passionate and dedicated in his representation. I fully endorse and recommend him.”

Randal Acker  (Non- affiliated Lawyer)

“Mr. Rizk was assertive, thorough, creative and caring. He helped me through one of the roughest times in my life and in the end I got the benefits and justice I deserved.”

A. S. (Former Client)

Posts by: 

Child in Safety Seat Uninjured in Rollover Crash

We’ve seen quite a number of auto accidents occurring in the presence of icy road conditions in Oregon already this winter, making it especially important that you secure your most precious and vulnerable love ones in the event of an accident. On January 23, 2014 at approximately 7:45 a.m.,……

0 comments

Are Short Term Health Plans Worth It?

Many of those who missed the deadline to sign up for Obamacare through the exchanges and are not eligible for expanded Medicaid have chosen to sign up for short term health plans through private insurers, thinking they will receive the same benefits as under the Affordable Care Act. Short Term Health Plans Are Not What They Seem Short term health plans are typically aimed at recent college grads, people between jobs, and new employees waiting for group benefits to kick in. They are marketed by major insurers including United Healthcare Services, Humana, some Blue Cross and Blue Shield carriers, and many smaller companies as alternatives to the policies available on the state and federal exchanges. On closer inspection, the plans provide less coverage and do not have to adhere to the same rules as plans on the exchanges. They can turn away patients who are sick and can refuse to cover pre-existing conditions. They do not have to pay for preventive care and are not required to renew a policy if a patient needs further medical care. If you get sick, the plan may cover you until your term of coverage runs out, but when it comes time to renew, you can be turned away. Limitations of Short Term Plans Unlike the Affordable Care Act (ACA) plans, a short term policy will not cover immunizations and routine physicals, outpatient prescription drugs, pregnancy or childbirth, sports injuries, substance abuse treatment, allergies, or kidney disease. The plans come with a $2 million lifetime limit on benefits, a provision banned under Obamacare rules. The short terms plans also do not satisfy the Obamacare requirement that people have adequate coverage, so those who buy them face the same tax penalties as the uninsured.

0 comments

Police and Sheriff Focus on Seat Belt Use and Distracted Driving

On Monday, February 17, 2014, law enforcement officers from Oregon State Police, Portland Police Bureau, Gresham Police Department, and Multnomah County Sheriff’s Office joined forces to target distracted driving and safety restraint use. The interagency effort was part of a two-week statewide campaign focused on: Properly restraining child passengers Reminding pickup occupants that buckling saves lives Discouraging texting while driving Between 8:00 a.m. and 12 noon, officers participating in the interagency patrol targeted the area between SE Stark Street to SE Foster Road, and SE 82nd Avenue to SE 181st Avenue. According to ODOT, although Oregonians are buckling up at their highest rate ever, those who do not are twice as likely as belted occupants to die if the vehicle they are in crashes. In 2012, 61 of Oregon’s 198 occupant fatalities were reportedly unrestrained. Oregon State Police, Portland Police Bureau, Gresham Police Department, and Multnomah County Sheriff’s Office join ODOT in urging everyone, every day, to buckle up every time you drive, and keep the phone out of your hands while driving. Effective January 1, 2014, Oregon’s traffic offense of operating a motor vehicle while using a mobile communication device changed from a Class D violation to a Class C violation. The minimum fine for a Class C violation is $142, and can be as high as $500.

0 comments

Proactive Care for Diabetics a Side Benefit of the Affordable Care Act

The Affordable Care Act has made health care available to millions of Americans who previously were excluded from insurance coverage due to pre-existing illnesses. Because no one can be turned away and charged extra, insurance companies have become more proactive in detecting and managing diseases such as diabetes, requiring regular monitoring and care. Insurers Target Diabetics to Detect and Manage the Disease Approximately 8 percent of Americans are estimated to have diabetes, and insurers anticipate that at least that percentage of the 7.5 million people now insured under the Affordable Care Act will have the disease. Because of this, insurers are aggressively targeting diabetics to detect and manage the illness and prevent complications. Regular Monitoring and Care Yields Rewards for Diabetics and Insurers According to Dr. Sam Nussbaum, a former endocrinologist at Harvard’s Massachusetts General Hospital and an executive vice president for the insurer WellPoint, about 60 percent of people with Type 2 diabetes can keep side effects at bay by simply managing sugar levels, exercising and watching their weight. Unmanaged, diabetes can lead to heart disease, strokes, kidney failure and vision loss. A relatively healthy person with diabetes can cost insurers around $5,000 a year. Once long-term, difficult complications develop, the disease can cost over $100,000 a year. Insurers Monitor and Guide Diabetic Patients To avoid costly complications, insurers now call diabetics when they don’t pick up prescriptions or miss appointments, and even arrange transportation to get them to the doctor’s office or send nurses on house calls. When the Affordable Care Act went into effect, WellPoint started a six-week workshop program for diabetics, covering such things as monitoring sugar levels and finding emotional support. In Cigna’s program, a nurse might visit a patient’s house for a head-to-toe assessment. By helping patients manage insulin pumps and offering periodic eye exams and other care, Cigna reports a 42 percent lower hospital admission rate and a 24 percent lower short-term complication rate.

0 comments

Is Expanded Medicaid Causing More ER Visits?

According to a new Gallup poll, Oregon ranks among the top 10 states for a drop in the number of uninsured, largely due to expansion of Medicaid and the state’s streamlined procedure for enrolling new insureds. New Report Focuses on Medicaid Emergency Room Use Last year, Medicaid expansion in Oregon showed it had increased emergency room use by low-income adults. This year’s Medicaid and CHIP Payment Access Commission report focused on how and why low-income Medicaid beneficiaries seek care in emergency departments by asking: Are Medicaid patients going to the Emergency Room more than ever before? Are Medicaid patients intentionally going to Emergency Rooms for non-urgent care needs? Are Medicaid patients having trouble find primary-care doctors? This year’s report found that: Most Emergency Department use among Medicaid enrollees is necessary. Most Medicaid patients have a primary-care doctor or a usual place for care, so aren’t using the Emergency Department as an alternative provider. There is no evidence to suggest expanding Medicaid will result in increased Emergency Department use. Some states that have expanded the program saw no increase in Emergency Department use, while in others the increase was short-lived. The report stated that the majority of Emergency Department visits by Medicaid patients are for urgent symptoms and serious medical problems that require prompt medical attention, with non-urgent visits accounting for just 10% of all Medicaid-covered Emergency Department visits for non-elderly patients. Medicaid Expansion Favorable to Hospitals Guaranteed government reimbursement for more patients causes hospitals to favor Medicaid expansion. Like physicians’ offices, hospitals have to contend with low and delayed Medicaid reimbursement rates and increased paperwork. However, unlike a doctor’s office, a hospital can’t turn away a patient. If you are bleeding or you have a heart attack, the hospital has to see you. Before Medicaid expansion, low-income adults with no insurance who didn’t qualify for Medicaid could not pay at all.

0 comments