Oregon Road Laws You Might Not Know

Posted on May 30, 2020May 30, 2020 by admin

Of course, you know the general rules of the road. You know to go on green and stop on red, you know to pull over when you hear sirens. But there are some other laws that Oregon drivers might not know:

If you’re pulled over under suspicion of DUI, you can request a breathalyzer or other test to prove your innocence. And, if you’re not happy with the results, you can request a follow-up test by a qualified professional to double-check the first.
It is illegal to leave your car running if you are not in it. It doesn’t matter if you’re hopping out for five seconds or an hour. If your car’s running, you need to be behind the wheel.
You are required to take the keys out of your car after parking it.
There are a few exceptions to seatbelt laws: If you’re delivering newspapers, are performing sanitation work, are in a motorhome, are in the beltless seat of a pickup, or if you have a note from your doctor saying that you can’t wear a seatbelt.
It is a first-degree misdemeanor to present a police officer with canceled insurance. This can be an honest mistake, but it could also be seen as obstruction and an attempt at fraud.

Generally speaking, if you drive safe and follow the signs, you’re probably driving within the law in Oregon, but it’s always good to know the laws and to know your rights.

If you’re still insurance-shopping, give W.B. Adams Company a call or visit our office in Beaverton, OR. W.B. Adams Company can get you covered with the protection you need.

When do I need commercial insurance for my Oregon Business?

Posted on April 26, 2020April 26, 2020 by admin

The Beaverton, OR area continues to be well known for having an excellent local economy. Due to this, it can be a great place for anyone to start a company. Those that have a company in this area of Oregon could end up being quite successful. To ensure that your business is adequately protected, it is essential that you get a commercial insurance policy in place.

Comply with Lenders and Investors

One of the reasons why you will need to have commercial insurance for your Oregon business is so you can comply with the requirements set forth by your lenders and investors. All lenders and investors know how important it is for a company to have proper insurance. Due to this, they will make sure that you have appropriate coverage at all times and may also require escrow payments.

Protects Business Investment

Another reason why you will want to have commercial insurance for your business is that it can help to protect the investment that you have in your business. If there is ever an accident or other incident that either damages company assets or puts you at risk for a liability lawsuit, the ultimate impact of this could be significant. Fortunately, when you get commercial insurance, you will have the coverage that you need to protect against this.

If you have a business in Oregon and would like to protect it with commercial insurance, it would be a good idea to contact the W.B. Adams Company as soon as you can. Choosing commercial insurance for a company can be quite challenging and complicated. When you work with W.B. Adams Company in Beaverton, OR, you can receive the assistance and support that you need to make the right insurance decision to protect your organization adequately.

Does home insurance cover sublets?

Posted on March 26, 2020March 26, 2020 by admin

You may think that subletting your home is a good way to make money when you are out of town. Most standard home insurance plans, however, do not cover short-term rentals. It is important to make certain that you have the right indemnity policy before handing over the keys of your Beaverton, OR home for the next few weeks. The agents at W.B. Adams Company can help you find the right plan.

What counts as subletting?

Some homeowners consider traditional means of subletting, which include soliciting complete strangers to live in their homes while they are away on vacation or business, as the only means of short-term renting. There are other means of subletting, though, which may not appear as short-term rental agreements at first glance.

Renting a room in your home is technically subletting since the individual is paying to use space at your residence. Airbnb rentals are also sublet agreements.

The problem with subletting while uninsured

Some homeowners take the risk of entering short-term rental agreements while lacking proper insurance to do so. The consequences of such actions can be detrimental if the renter’s property is damaged on your property or if he is injured while at your residence.

Most home insurance providers will not pay for damages and injuries sustained by the renter if you have a standard policy. Some indemnity companies may even view you as a higher risk because of the short-term rental agreement and move to terminate your policy altogether.

What type of insurance do you need to sublet in Oregon?

Vacation rental insurance is ideal when you want to sublet your home in any capacity. You may even want to consider tenant insurance if you enter short-term agreements on a continuous basis.

The agents at W.B. Adams Company in Beaverton, OR can help you find the sublet insurance solution to fit your needs. Call us today to get started with a quote on home insurance!

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Author: admin