Oregon Auto Insurance Minimum Requirements
Topics: Oregon auto insurance
Did you know that when you start shopping for auto insurance in Oregon that there are minimum requirements that you have to have on your vehicles? There are laws that are in place to protect you and the other drivers that are around you.
When you contact Oregon auto insurance company’s they will give you quotes with at least the minimum requirements. You can choose to increase your coverage so that you have greater coverage in case of any type of accident, but it is not required. You will want to be aware that the more coverage you have the more the policy will cost.
Here are some of the minimums that are required for Oregon auto insurance:
1. Bodily Injury liability: The minimum requirements are $25,000 per person and $50,000 per accident for bodily injuries for others. There is no negotiating this and going any lower. It might seem like a lot, but it is amazing how quickly medical bills can add up.
2. Property damage liability: $10,000 per accident for damage that is caused to the property of others. This is pretty low. Think about your car and how much it cost you. Anytime there is damage to a vehicle it can cost a lot to make any repairs. A bumper can cost over a $1000 on a medium priced car.
3. Personal injury protection: This is commonly referred to as PIP. This is Oregon’s version of no-fault insurance. This protects you and your passengers regardless of who caused the accident. This covers medical needs. There is a time limit on the coverage on this.
All injuries have to be addressed within one year. The maximum coverage on this is $15,000. Under the PIP coverage there are several different aspects. They are:
a. Medical services
b. Loss of earnings
c. Essential services
d. Funeral expenses
4. Uninsured motorist bodily injury and underinsured motorist coverage: This has a minimum amount requirement.
$25,000 per person and $50,000 per accident for bodily injury to you and your passengers that is caused by an uninsured or underinsured driver. This is a minimum, but many people choose to increase this coverage, because if you are hit by an uninsured or underinsured person they more than likely can’t compensate you in anyway if something happens.
Sometimes minimums can be discouraging and frustrating since we might think we are the exception to the rule. The minimums that have been set for Oregon auto insurance come from experience and from experts evaluating accidents in Oregon. When the exception doesn’t apply to you and you are in an accident you will be grateful the auto insurance coverage you have on your vehicles.
Homeowners Insurance (www.insurancearm.com) is basically designed to bring your home and possessions back to the same condition they were in before a loss occurred. Art Gib is a freelance writer.
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