What does a Business Owners Policy in Oregon cover?

Business Owners Policy- Oregon
The insurance company agrees to pay for direct physical loss or damage to covered property at the described premises caused by or resulting from any Covered Cause of Loss. Covered property include the insured’s building(s) and business personal property as follows:
Buildings/Structures at the described premises, including: 
Completed Additions
Fixtures, including outdoor fixtures
Permanently installed machinery and equipment

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What does the Fair Credit Reporting Act mean in Oregon?

This act was put in place by Congress in 1970 to protect consumers rights. It applies to any financial institution that is requesting information on a consumer through credit reporting or other consumer reports. The entire Act contains a lot of information and is very extensive, but, the following pertains to insurance companies and the rules and regulations they must follow to protect consumers. 

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Can the body shop use aftermarket parts if covered by auto insurance in Oregon?

There are only a two ways legally that an auto body repair shop can use aftermarket parts when fixing your vehicle after an accident. The two ways/conditions aftermarket parts are acceptable are: With consent of the owner or if the part has been certified by an independent test facility to be at least the same quality as the original equipment with regard to function, finish, and corrosion resistance. 

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What if I get in an accident with an uninsured vehicle in Oregon?

What is considered an uninsured vehicle in Oregon? 
An uninsured vehicle in Oregon is a vehicle that meets any of the following criteria: 
The vehicle is operated by a hit and run driver, where the insured is unable to identify the driver of the vehicle 
No liability policy is in place at the time the accident occurs
Or the auto has liability coverage, but the coverage is not enough to meet Oregon’s standard requirement
If the other driver’s insurance company denies their coverage or the insurance company is or is going bankrupt

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Does my Oregon Auto Insurance cover medical expenses? Who’s covered? What’s not covered?

Oregon Auto Insurance- Who is covered? Oregon requires that drivers carry personal injury protection (PIP) for a private passenger vehicle. The following are who is covered under Personal Injury Protection: the insured, passengers in the insured’s vehicle, the insured when occupying another vehicle, the insured while walking (pedestrian) and any pedestrian struck by an insured vehicle.

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What’s required by the state of Oregon for auto insurance?

The state of Oregon requires that an insured person must have the following to be considered insured to the state requirements: Part A- Liability Coverage, Part B- Medical Payments- Personal Injury Protection, and Part C- Uninsured/Under-insured Motorist coverage. Part D- Physical damage coverage is optional, although most have it also- (Part D also known as) collision coverage, or other than collision coverage.

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What does my Homeowner’s Policy cover in Oregon?

Does my homeowner’s insurance cover this? The question that many insurance agents receive every day from their customers…Over the next series of blogs we will discuss what coverage is afforded with a homeowners policy. There are four categories of coverage for homeowner’s insurance in Oregon- Coverage A-Dwelling, Coverage B-Other Structures, Coverage C- Personal Property, and Coverage D-Loss of Use

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Oregon Employment Practices Liability Insurance- EPLI

What is Oregon Employment Practices Liability Insurance? Commonly known as EPLI, Employment Practices Liability Insurance covers businesses against claims from employees. Where Workers Compensation and Employers Liability policies exclude, EPLI includes. EPLI includes such things as: sexual harassment, wrongful termination, discrimination, etc. The employee brings suits against an employer when they feel their legal rights have been violated. 

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