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Types Of Coverage

If you are interested in auto insurance Oregon, you must know that there are several types of auto insurance coverage. Before you purchase your policy, it is a good idea to review the options you have and also the mandatory requirements by law.

  • Bodily Injury Liability. This coverage refers to people injuries, incurred by you or by another person you gave your car to drive. Examples of such expenses include rehabilitation, medical expenses, legal expenses and funeral costs.
  • Property Damage Liability. This coverage refers to property damage caused by you of a person you allowed to drive your car. It pays for repair and ACV, i.e. actual cash value of the property, plus for your legal expenses.
  • Personal Injury Protection. This coverage applies irrespective of who is at fault and pays for rehabilitation, medical expenses, childcare expenses, funeral expenses and loss of earnings if you and your passengers are injured in an accident.
  • Underinsured and Uninsured Motorist Bodily Injury. This coverage pays for rehabilitation, medical or funeral expenses, loss of earnings, etc in case of accidents caused by underinsured, uninsured motorists and hit-and-run drivers.
  • Uninsured motorist property damage. This is an optional coverage that protects you against damage incurred to your auto by a driver that is uninsured. It is a good idea to consider this one especially if you don’t have a collision coverage.
  • Collision. This coverage pays for your vehicle repair in case of rollover or collision.
  • Comprehensive. This coverage pays for vehicle damage resulting from theft, fire, vandalism, etc.
  • Extra liability. This coverage is a separate umbrella policy that provides extra liability protection in case you are sued. This is useful in the cases in which your other policy’s liability limits are exhausted. In such cases, the umbrella policy offers you additional liability protection.

Required Coverages 

The following coverage’s are mandatory by the Oregon law:

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident to cover bodily injuries to others
  • Property Damage Liability: $20,000 per accident for damage to the property of others
  • Personal Injury Protection: This is the version of “no-fault” protection in Oregon.
  • Uninsured Motorist Bodily Injury and Underinsured Motorist Coverage: $25,000 per person, $50,000 per accident
It is important to become familiar with Oregon auto insurance laws before you close any policy. Research thoroughly Oregon auto insurance companies and compare quotes, in order to make sure you get the best ones possible. Weather you need Portland Oregon auto insurance or weather you live in another city, any company operating at Oregon level can serve you, even if you need a high risk auto insurance.
For FAQ and safe driving resources, visit the other pages of our site. For  insurance savings tips you can visit the resource here.