Click to view this email in a browser
Please visit our website at www.kpdinsurance.com
1st Quarter 2008
In This Issue
- From the President, "KPD Specialization Works for You"
- Oregon Traffic Accident Reporting Requirements
- Big Changes for Small Group Health Insurance in Oregon
- Workers' Compensation Incentive Programs
- KPD Risk Solutions
KPD Specialization Works for You.
By: Jim Ginger
KPD is organized into five specialized units to deliver insurance services to you. Those units are Commercial Property and Casualty, Workers' Compensation, Employee Benefits, Bonds and Personal Lines. KPD has the insurance professionals you need to manage your risk in each of these areas...
To read the entire article, click here
OREGON TRAFFIC ACCIDENT REPORTING REQUIREMENTS
By: AJ (Anne Johnson)
Spring is upon us and summer is fast approaching. This traditionally means more travel and unfortunately an increase in auto claims.
Everyone needs to be aware that any driver involved in an accident that results in any of the following is required by the DMV to file an "Oregon Traffic Accident and Insurance Report" form #735-32 (5-07).
-
Damage to your vehicle over $1,500
-
Injury (no matter how minor)
-
Death
-
Damage to any one person’s property over $1,500
-
Any vehicle involved in an accident and is towed from the scene as a result of damages
These are required to be filed within 72 hours of the accident. If this is not possible, the report should be filed as soon as possible. Failure to do so may result in the suspension of your driving privileges. If an accident involves a commercial motor vehicle (meeting certain qualifing criteria) a separate report called a “Motor Carrier Crash Report “ form # 735-9229 needs to be filed within 30 days whenever the following applies.
-
Fatality
-
Injury requiring treatment away from the scene
-
Any vehicle involved in an accident and is towed from the scene as a result of damages
NOTE : If you are involved in an accident in another State, they all have their own reporting requirements and forms, so you should be checking a DMV office within the applicable State or online for their requirements.
If you have any questions please give us a call. Happy Motoring!
Big Changes for Small Group Health Insurance in Oregon
By: Michele McCall
What is the Oregon Small Group Reform (HB 2002) and how will it impact your employee group health plan?
House Bill 2002 passed during the 2007 Oregon Legislative Session. This bill was designed to combine the small employer group market into a single pool for medical insurance rating. The bill changes the definition of a small employer group from employer groups with 2-25 employees to employer groups with 2-50 employees...
To read the entire article, click here
By: Diana Burnette
Darius Populin and Joyce Kostenbauer work in our Advantage Health department. They are available to help you with all aspests of workers' compensation claims, and return to modified work programs. Advantage Health has developed a workers' compensation claim "HOW TO & WHAT NEXT" manual which you may request by email. If you already have a manual, but it is more than a year old, please give us a call and we will send you an updated version.
The State of Oregon throws money at you when you, the employer, take injured workers back to temporary light duty, and/or make changes to accommodate them when they have permanent restrictions. The Employer at Injury Program (EAIP) and Preferred Worker Program (PWP) have recently been changed by the State of Oregon to make them more lucrative and easier for you to access...
To learn more about the EAIP and PWP, click here
KPD Risk Solutions is a unique web-based risk management platform available to all of our valued clients. A comprehensive safety library module is available to you at no cost with more than 1,000 documents in English and Spanish...
Welcome to KPD Headlines!
Welcome to KPD Headlines, KPD Insurance’s quarterly newsletter.
KPD Headlines has been designed to provide you with the latest information about KPD Insurance and to provide information on topics of interest.We would like you to tell us what you think about this issue and what topics you would like to see addressed in the future, to help us make KPD Headlines more useful to you.
E-mail us at kpdheadlines@kpdinsurance.com
We appreciate your feedback.
If you know someone who would like to receive KPD Headlines Quarterly, they are welcome to subscribe here.
On behalf of the staff at KPD Insurance, thank you and we hope you enjoy reading KPD Headlines.Adding certain features to your home could reduce your insurance premiums
Here are a few to consider:
• Install a home security system. You'll gain peace of mind too.
• Use concrete siding on your home to lower fire risk
• Install deadbolt locks on exterior doors. It's one of the simplest ways to reduce risk of break-ins.
• Mount Fire Extinguishers in your kitchen, garage and basement - common sites for household fires.
• Replace / Add smoke alarms. It is also recommended that you place one in every bedroom in addition to common living areas
• Include an automatic sprinkler system in your home for top-of-the-line fire protection.
BONUS: Home Projects that can decrease chances of liability:
• Repair cracked sidewalks and uneven driveways – often culprits for trips and falls. SMART TIP: Ask about Personal Umbrella/Excess Policies.
• Add motion-detector outdoor lights to deter break-ins. A well-lit entry also helps prevent accident, reducing potential to a liability claim.
Taken from the Spring 2008 MetLife Newsletter
Did you Know?
By Robert Paskins
• In 1998, Sony accidentally sold 700,000 camcorders that had the technology to see through people's clothes. These camcorders had a night vision setting and with the proper lighting and setting they could see though a person's clothes.• In 1982, a cactus in Phoenix, Arizona killed a man. David Grundman fired two shotgun blasts at a giant saguaro cactus that ended up falling on top of him.
• An elephant is the only mammal that cannot jump.
