Oregon Auto Insurance
Oregon wants to make sure its drivers are protected no matter what scenario may arise. The Beaver State mandates that all licensed drivers possess car insurance complete with bodily injury and property damage liability, personal injury protection, and uninsured/underinsured motorist coverage to prevent paying out-of-pocket expenses in collisions when they’re at fault and when they’re not.
Bodily injury liability can cover medical expenses in the event that you cause a collision that injures another driver or passenger. Property damage liability can be put toward vehicular damage if you collide with another party and are at fault. Following are the minimum limits in Oregon and what they mean.
- $25,000 coverage for bodily injury per person
- $50,000 coverage for total injury per accident
- $20,000 coverage for property damage
Is this enough coverage? It might not be. Those amounts represent the maximum your insurance provider will pay; if you owe more than that from a wreck, it will fall on you to pay the additional money. Luckily, you can increase these limits.
Personal injury protection is known as part of 'no fault' coverage. This means that no matter who is at fault in a wreck, if you’re injured, you can get the medical attention you need.
Uninsured/underinsured motorist protection can be used when you're struck by a driver without insurance or one that has inadequate coverage, and can pay for necessary repairs or replacements to your car.
Think about adding collision and comprehensive coverage to help pay for repairs to your car. The former can help if you cause a wreck; the latter can offer a hand if your car is damage by fire, flood, vandalism, and other reasons.
Discounts on Oregon car insurance
Oregon drivers may eligible for a number of discounts on auto insurance, including:
- Multi-policy discount.
- Multi-car discount.
- Homeowners discount.
- Good student discount.
- Good driver discount.
- Safety features discount.
Contact an agent at HomeInsurance.com to find out which discounts could lower your premiums. Don't wait; call today!