Heat the oil in a large saucepan over a medium flame. Add the onion and bell pepper and sauté until the onion is translucent.
Add the garlic and sauté for another 1 to 2 minutes.
Add tomato sauce, beans, and herbs, and simmer for 5-10 minutes to join flavors.
Stir in the rice, stock, water, and vinegar, and season well with salt and pepper. Bring to a boil, cover, reduce heat to low, and simmer for 40 minutes. If the rice is already cooked, reduce the stock by 1 cup, add the rice, and cook for 5 minutes!
Remove from heat and let set covered for another 5-10 minutes. Season, stir lightly with a fork, and serve.