FREQUENTLY ASKED QUESTIONS

Below you'll find answers to some frequently asked questions. If you'd like more information and would like to speak to a member of our team, please contact our office direct by calling (503) 207-6976.

I've just had an accident, can I call you to file a claim?

If you’ve just had an accident or loss I would be happy to help start the claims filing process with you. You can call my office at (503) 207-6976 during normal business hours, Monday – Friday 9:00 AM – 5:00 PM. If I’m not available please leave me a message and I will get back to you ASAP.

You can also call the claims department direct at 1-800-333-2860 to file a property and casualty claim. The claims department is available 24 hours a day, 7 days a week. You’re also able to file your claim online. Click here to file a claim online.

I have an auto insurance policy with the state minimums, is that enough?

That’s a really common question, so let’s look at the numbers. Per the state of Oregon’s Department of Transportation and Department of Motor Vehicle’s website, here are the required state minimums:

In Oregon, it is illegal to drive without liability coverage. See ORS 806.010The minimum insurance a driver must have is:

  • Bodily injury and property damage liability
    • $25,000 per person;
    • $50,000 per crash for bodily injury to others; and
    • $20,000 per crash for damage to others’ property.
  • Personal injury protection
    • $15,000 per person.
  • Uninsured motorist
    • $25,000 per person; and
    • $50,000 per crash for bodily injury.
Auto Insurance Coverage

Consider the average cost of new vehicle, a four door sedan or a midsize SUV. If you were in a serious accident and were found to be at fault and the accident resulted in a total loss of the other driver’s new 4 door sedan or midsize SUV, the state minimums would likely be inadequate. While it’s important to be in compliance with the legal minimums set by the state, it’s also important to be fully covered when you’re on the road. If you’re concerned that you’re underinsured, let’s get together and look at all the options available to you.

I see you mentioned motorcycles, do you offer insurance for other types of vehicles?

Absolutely. I mention motorcycles specifically because I am rider myself and am passionate about motorcycles and motorcycle safety. But I can help you get coverage for many types of vehicles like RVs, campers, trailers, boats and more. There’s more to property and casualty insurance than just cars!

Insurance Review

I want to be covered for my family but the cost of life insurance is too high... what should I do?

Life insurance doesn’t have to be expensive. While Whole Life Insurance offers more benefits, it is a higher priced product. Term Life Insurance, however, is relatively affordable and is a great solution to cover you so that your family will be provided for. Term Life is generally written with a time limit of a set number of years (the “term” of the policy) and can be converted to Whole Life later.

What if, when my spouse passes, I can't deal with all the demands of a funeral, life insurance, etc.?

When a spouse passes it’s never an easy thing to deal with. Whether you’re just starting out or well into retirement, dealing with the loss of your husband or wife, and all the things that come with that loss, can be overwhelming and add to the pain. This is one area where having adequate coverage can lift a massive burden off your shoulders. I have had the experience of seeing a client’s face change right before my eyes when we discuss the payout of a life insurance policy. Nothing can take away the hurt of losing a spouse, but the relief of the financial burden an adequate policy pays out can be transformative. 

I’m here for all my clients when this type of loss happens. I’ll help you navigate this part of the process as best as I can. If you currently don’t have life insurance coverage, please reach out to me. Preparing now can make all the difference for the loved ones you leave behind. 

The dollar amount on my homeowners policy is less than what I paid for my house, am I fully covered?

This is a common issue that can throw homeowners, especially new homeowners, for a loop. The policy typically is going to cover the costs to rebuild a home after a significant loss, like a fire. Here in the Portland metro area, we live in a high demand real estate market, so the cost to build/rebuild a home and selling prices the market will command aren’t always the same. Whether I’ve already gotten homeowners coverage for you or you’re shopping for homeowners coverage, I’m always here to help you interpret and understand the policy and to verify that you have the all coverages you need.

Is there any advantage to having all my insurance through you, like home, auto and life?

Rob Edwards Insurance Agent

There most definitely is! The first major advantage that appeals to all of is saving money. When you have multiple lines of insurance with me, I can generally get a multi-line discount. That’s a great way to ensure my clients have all the coverage they need.

The other big advantage is being able to rely on me for all your insurance needs. Here’s a great example. Let’s say you’re a young couple just starting out. You’ve bought your first home and you share a car. As the years go on, children arrive, a second car is needed, the time comes to sell your starter home so you can get a larger house. All of these important life changes are great opportunities for us to reevaluate your insurance needs and adjust the coverage. If you started out with term life insurance, or no life insurance, but you’ve got a promotion or two, it would be a good time to look at whole life to really cover your family in the long term. And of course, you’ll save money along the way with me handling all your insurance needs. 

I have life insurance through my employer, isn’t that enough?

While the coverage and payout amounts may be enough, there are other important factors to consider with employer-provided life insurance. In 2014 the US Bureau of Labor Statistics reported that the median length of employment for an hourly or salaried employee was 4.6 years. So the idea of working 20 or 30 years for one company, and having that company take care of you after you retire just isn’t a reality any more. And most employer provided life insurance policies end if you’re laid off, fired or leave the company. Those that the employee can take with them are often significantly more costly once the former employer is no longer paying some or all of the premium. In today’s world, it is crucial that you handle your own life insurance needs to cover yourself, your family and your obligations. Life insurance may be more affordable than you think, so let’s sit down and review what you need and how I can help you get the policy or policies you need to be fully protected.

Can you help me with investments and financial products?

I’d be more than happy to connect you with a competent financial advisor that I trust. They’ll be able to help you with investments, financial products and creating a portfolio to help you reach your investing goals. Give me a call at (503) 207-6976 and I’ll give you a referral.

If you have a question that wasn't addressed here, or if you'd like more information, our contact information is listed below. Please don't hesitate to contact us directly by phone or email.

We look forward to connecting with you, answering your questions and helping you get the right coverages for what matters most to you!

Reach out to schedule an appointment.​

My office is conveniently located in Hillsboro on John Olsen Avenue, just after NW Evergreen Pkwy in the Venture Commerce Center. 

ROBERT EDWARDS INSURANCE