In this Blog category you will find articles about laws regarding claims and insurance policies . Personal Injury suits and insurance claims may require the help of an attorney. A good lawyer can protect your rights under the law.

Rizklaw Quarterly Newsletter Q2:V1

In This Issue:

A Guide to Protesting

E-Scooters in PDX

End the Bullying

Meet Rizklaw


Inside Look

E-Scooters- How Safe are They?

Sure, e-scooters may make personal transportation more convenient in our traffic-heavy city.  But how safe are e-Scooters, really??

Insurance Super Bullies

In grade school, bully avoidance tactics work most of the time but avoidance only goes so far. After grade school many kids learn to stand up to the bad apples and only fight when there seems to be no other option.    As life rolls on, I have become aware of a greater, “Super Bully”.

By |September 12th, 2018|Insurance Law, Richard Rizk|

The 411 on Car Insurance

The FAQ on Auto Insurance: How much do you need and how much will it cost!

5 Reasons Insurance Companies Make Low Offers on Claims

The first in a new series of short, informational films, Richard Rizk reveals the 5 reasons he believes insurance companies makelow offers on claims. With experience working for and against insurance, Richard knows how to beat insurance companies at their own game.

By |November 2nd, 2017|Auto Accidents, Bicycle Accidents, Insurance Law, Personal Injury|

When Paying Cash is Cheaper than Using Health Insurance


A yearly investigation by Minneapolis station KARE11, followed by two recently filed class-action lawsuits, found  that pharmacists must sign so-called “gag” clauses preventing them from disclosing lower prices than what patients with insurance were paying for medications. In most cases, an insurance co-pay for a medication was twice as expensive as for just paying cash for the same medicine.

Why Co-Pay More Expensive than Paying Cash?

Pharmacy Benefit Managers (PBMs), which serve as the middleman, set the price you pay the pharmacy for medications. In many cases, the price they set for your […]

By |November 12th, 2016|Insurance Law|

Lifesaving Insulin Becoming Unaffordable


There are an estimated 30 million Americans with diabetes. For the 6 million of them who rely on insulin, buying that medication is a life or death situation. So when the three major companies that make insulin in the US steadily ratchet up their prices, sometimes in lockstep, diabetic patients with high deductible insurance plans who pay out of pocket for their prescriptions struggle to get the lifesaving medication they need.

Most of the 30 million diabetic Americans have type-2 diabetes, meaning their body doesn’t use insulin the right way and may […]

By |November 12th, 2016|Insurance Law|

Oregon’s Basic Health Program to Fill Medicaid Coverage Gap


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 would remain uninsured by 2019. Of that group, nearly half would be low-income people with incomes below 200 percent of the federal poverty line who earn too much to qualify for expanded Medicaid under the Oregon Health Plan.

Oregon is […]

By |November 12th, 2016|Insurance Law|

ACA in 2017: Rising Premiums and Fewer Choices But Still a Bargain



Health insurance premiums through the exchanges are expected to rise by an average of 25% in 2017, with fewer health insurance plans available to choose from as health insurance companies continue to drop out of the exchanges.

About 75 percent of people enrolled in plans this year get subsidies to help pay their premiums, and those subsidies will go up along with premiums. However, those who make too much to qualify for subsidies because they earn more than 400 percent of the federal poverty level will pay the entire amount. For a […]

By |October 30th, 2016|Insurance Law|

SB 411 Brings Greater Coverage to Injured Motorists

In November of 2015, the Oregon Legislature passed a bill that sought to improve insurance benefits for victims who are injured in motor-vehicle collisions. Senate Bill 411 (SB 411), was signed into law by Governor Kate Brown. The bill expands coverage for two key areas of car insurance policies: personal injury protection (PIP) and under or uninsured motorist coverage (UIM).


Effective as of January 1, 2016, the new law provides injured parties greater access to compensation. Changes made by the law go into effect on policies renewed or created on January 1, 2016 or later. Drivers who renewed […]

By |July 5th, 2016|Insurance Law, Personal Injury, Uncategorized|