If an insurance company

or Law Firm has changed its opinion, please let us know.

The use of “or” implies one or the other and NOT both.

The Insurance company + law firm

disagreed or they had changed their opinion. We can’t do it, please let us know.

What is the same concept throw non native speakers and many would do this wrong and use the plural form of the verb. (i.e. not even a colon)? have instead of has with or )

Also, very few native speakers will correctly use it as the possessive in the sentence using “or”. ‘ Probably most would probably use “their. ” ”

Thanks to @Acccumulation, another good reference for this would be https://owl.purdue.edu/owl/general_writing/grammar/subject_verb_agreement.htm. When

should we post in comments about HTML_Acccumulation.html I wanted to refer to him/her.html.html @Acccumulation said this in the comments, so I wanted to reference him/her.html

@Acccumulation: A great post! Thank you!

How do I get myself into an actual conversation with NGO’s about our relationship as a human being?