Oregon Auto Insurance

Auto insurance in Oregon

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Auto insurance information in the state of Oregon

The coverage required by the law

There are actually four liabilities that are required in the state of Oregon. Below are the essential coverage and the minimum amounts needed before you can drive legally in Oregon.

1. Bodily injury per person - $25,000; Bodily injury per accident - $50,000

2. Property Damage - $10,000

3. Personal Injury Protection - $10,000

4. Uninsured/Underinsured Motorist Bodily Injury - $25,000 per person and $50,000 per accident.

What is property damage coverage?

In the state of Oregon, all motorists must acquire a property damage coverage. This would cover the damages in the vehicle, buildings, road signs, fences, and other properties as a result of the accident.

The Personal Injury Protection or PIP

This is an insurance that is mandated in the state of Oregon. The personal injury protection would let the insurance provider to cover the medical expenses or even the lost wages of the parties that are involved in the accident. Of course, this depends on the circumstances. There are also times that the personal injury protection would cover the other services that are due to the accident as well.

What do you mean by uninsured motorist bodily injury insurance?

The uninsured motorist bodily injury insurance in Oregon requires you to pay for the bodily injury expenses of you as well as your passengers in case an accident happens. There are two minimum amounts for this type of insurance. The minimum amount per person is $25,000 while the minimum amount per accident $50,000.

Are there ways on how I could get discounts or have lower insurance premiums?

Of course there are! You just have to ask your insurance agent about the discounts that you can avail. If you are really in the market for a lower insurance premium, here are some of the things that you and the insurance provider considers before they give the auto insurance quote to you.

1. The age of the policy holder. There are also some cases that the gender is considered as well.

2. The location and where you would usually use the car.

3. The type of the vehicle that will be insured.

4. The driving history of the policy holder.

5. The age and the driving records of the members of your household who will be using the vehicle at the same time.

6. The number of times you filed a claim from your previous insurance provider.

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