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One of the most frustrating insurance experiences can be poorly chosen and poorly written auto policies.  At EPB&B, our aim is to make sure you have the best auto insurance coverage for the best price - and that any claims you have are handled to your satisfaction.


EPB&B Personal Lines Account Manager - New Business

Angela Olson

One area of focus for our Personal Lines team is ensuring you get all the best discounts.  For example, we'll make every attempt to place your homeowners' and auto insurance with the same carrier - unless that doesn't work for you!  Other types of discounts you may qualify for include good driver, good student, and making sure you're driving a safe car.

Our dedicated claims specialist is on-call for you.  We'll act as your advocate, to make sure your claims process is smooth.  You can also print your auto ID cards directly from our web site, 24/7.


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The National Highway Traffic Safety Administration (NHTSA) calculates that drowsy or fatigued driving causes approximately 100,000 police-reported crashes and kills more than 1,550 each year.  Just last week a client of EPB&B experienced just such an accident when the driver fell asleep while operating a commercial vehicle.  His vehicle left the road and impacted two other vehicles before coming to rest along side of the highway.  All of the vehicles in the accident sustained major damage and several injuries (including the driver) were reported. 


Recent research suggests that driver fatigue is under-represented in accident statistics and estimates show that it could be a contributing factor in 20 – 24% of fatal crashes.  A study conducted by the Adelaide Center for Sleep Research demonstrated that drivers who have been awake for 24 hours have an equivalent driving performance to a person with a BAC (blood alcohol content) of 0.1 and are seven times more likely to have an accident.


The National Highway Traffic Safety Administration (NHTSA) estimates that there are 56,000 sleep-related road crashes annually in the US, resulting in 40,000 injuries and 1,550 fatalities.  Take a quiz, designed by US Department of Transportation, to see how much you know about driver fatigue. 

Spring is here and summer vacations are just around the corner.  Renting a car on vacation can be fun, but who pays for the damage, should there be any, to the rental car? 

It has been debated for years whether or not a person renting a vehicle should purchase the Collision (or Loss) Damage Waiver from the rental company.  Our recommendation is that, in general, you SHOULD purchase the CDW/LDW.  Here’s our thinking: 

EPBB is pleased to announce that effective October 29, 2009, Safeco Insurance will be offering a 12 month auto policy!  Take advantage of this new product option and you'll enjoy guaranteed rates for an enitre year, regardless of any mishaps of blemishes on your driving record during the policy period.  And, you'll enjoy a fixed payment plan for a full 12 months, which makes managing your budget easier.  You'll also save time and use less paper!  Contact us today at: 503-227-1771 for a quick and easy quote on this time-, energy- and hassle-saving product!

HB 2326 has significantly changed Oregon's financial responsibility limit law increasing the minimum allowable property damage limit from $10,000 to $20,000.  If you carry minimum limits, your policy will automatically reflect this new change.  This change goes into effect on January 1, 2010.   Oregon's Personal Injury Protection (PIP) statute was also changed with respect to the maximum recoverable wage limit which was increased from $1250 per month to $3000 per month.  This is the amount you would receive in wage reinbursement (from your auto policy) if you are injured in a motor vehicle accident and unable to work while you recouperate. The full text of HB 2326 can be found here

EPB&B is reminding clients that they now have new rights if their vehicle is totaled in an accident.  Consumers often feel like they have no power when negotiating with insurance companies over totaled cars.  House bill 2190 to the rescue.  HB 2190 took effect this month, allowing drivers to get more information and leverage when negotiating a settlement for their totaled car.

The new law requires insurance companies to:

  • Give car owner a written notice that explains total loss, including how car values are determined and what to do if the owner disagrees with an insurer's offer.
  • Give consumers the valuation or appraisal reports used to set the vehicle's value.
  • Pay car owners the amount not in dispute while negotiations over value continue.  For example, if an insurer offers $4,000 and the car owner seeks $5,000, the insurer must pay the $4,000 upfront.
  • Reimburse consumers for reasonable appraisal costs.  This applies when the owner has the right to an appraisal and the final appraised value is greater than the insurer's last offer.

Having insurers pay the undisputed amount is particularly important because many people need to buy a new car right away.

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