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In Oregon, it’s required that you have auto insurance if you own a vehicle. The vehicle must be covered by several types of auto coverage that are all in your auto policy. If you need to protect your vehicle with insurance, call us today at Choice One Insurance Inc. in Portland, OR. Not having insurance can cost you steep fines, and it leaves you vulnerable financially.
Bodily Injury Liability
Oregon requires a specific minimum amount of coverage for one person who is injured in an accident. There is a second amount required for everyone in the accident who is injured. The amounts required by the state are on the low side among all the states. The lower amount that is required may not be enough to pay all of the medical bills that result from an accident. It’s often recommended that you add coverage to the minimums so that you are better protected.
Property Damage
This coverage pays for the repairs or replacement of a vehicle that is damaged in an accident that is your fault. This amount is relatively low, however, and may not pay enough for an accident that happens with an expensive vehicle. It is also recommended to raise the amount of this coverage.
Personal Injury Protection
Though Oregon is not a no-fault state, it does require you to have a specific amount of personal injury protection in your auto policy. This is a type of injury coverage that will pay for your injuries that are caused by an accident. With medical bills being so high, it is vital to have this protection in case of an accident.
Uninsured Motorist
The final type of required insurance is a set amount for a person who becomes injured in an accident and another amount that is for everyone who is injured. If someone else causes an accident with you, and they don’t have insurance, this coverage protects you.
Get Your Auto Policy
If you need auto coverage, give us a call at Choice One Insurance Inc. in Portland, OR.