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….
Fire Burns Your Home Then, protect your property by securing your home. Board up damaged windows and doors. Remove valuables and important documents. Turn off power if necessary. Prepare Inventory of Damaged Property Include the age, brand, model number and other pertinent details of the damaged items. If you or the fire department believe the…
The first in a new series of short, informational films, Richard Rizk reveals the 5 reasons he believes insurance companies make low offers on claims. With experience working for and against insurance, Richard knows how to beat insurance companies at their own game.
Examining collision claims from January 2012 to October 2016, the Highway Loss Data Institute (HLDI), a leading insurance research group, showed in the results of its recent study that claims in Colorado, Washington, and Oregon increased 3% in the years since legal recreational marijuana sales began between January 2014 and October 2016, when compared with…
Bikes are generally required to follow the same traffic laws as motor vehicles. A major difference between bikes and cars, however, is insurance. Auto insurance is mandatory for road vehicles in Oregon, whereas the law does not require bicyclists using the road to carry insurance. Personal Injury Protection (PIP) is built into insurance policies issued…
Comprehensive cycling insurance hasn’t caught on yet, despite the rise in zero-car households. With many cyclists dependent on their bikes for their daily commute, it is still shocking to understand the limits of comprehensive insurance options for those who rely on a bicycle as their main method of transportation. At Rizk Law, we occasionally do…
Oregonians with incomes over 138 percent of the federal poverty level who earn too much to qualify for expanded Medicaid, who are also without employer paid health insurance, are in a coverage gap. New Federal Medicaid/Medicare Standards In 2014, the Oregon Center for Public Policy estimated that about 120,000 Oregonians who must get health insurance or pay a fine…
Oregon lawmakers recently passed Senate Bill 411 which provides Oregon motorists additional medical benefits and additional underinsured medical benefits. But, there is a catch. These additional coverages only apply to auto insurance policies issued or renewed in 2016 or later. If your policy was issued before then, contact your insurer or agent to request auto…
In March 2014, the Centers for Medicare & Medicaid Services (CMS) issued final rules establishing standards for the Basic Health Program, which would allow states to use federal funds to establish an alternative program with subsidies for low-income individuals who don’t qualify for expanded Medicaid. To make health care affordable to all, the Affordable Care…
When you are on Medicare or Medicaid, getting a personal injury settlement can look a little different than if you have private-pay insurance. It’s something known as the Medicare Secondary Payer process, which means that when you win a settlement for an injury, you become the primary payer and Medicare becomes the secondary payer. Federal law mandates…