Oregon Car Insurance Information
If a motorist has never had insurance before, has let theirs lapse, or had theirs suspended or revoked or does not have a good driving record, they may still be able to obtain Oregon car insurance online.
Minimum Level of Coverage
Oregon auto insurance may generally be a requirement for people living in Oregon, yet there may seem to be over millions of dollars in damage caused by uninsured drivers. Medical assistance for injured individuals and damages to vehicles may typically be included in this damage. Below could be a list of Oregon car insurance coverage individuals may need to have according to Oregon law.
- Property damage (PD) liability: $20,000 per accident for damage to the property of others
- Bodily injury (BI) liability: $25,000 per person, $50,000 per accident for bodily injury to others
Personal Injury Coverage (PIP)
No-fault protection Oregon car insurance may generally be considered personal injury coverage. Medical assistance may typically be provided to the client and their passengers with this protection. Assistance may include dental work, ambulance, surgical services and prosthetic as long as it might be reasonable and necessary. The client may only receive up to $15,000 within one year of the accident date. Coverage that could help take care of funeral costs, loss wages, essential services and child care may typically be the minimum PIP.
Comprehensive versus Collision Coverage
Damages that may occur by theft, damage or explosion could typically be what Oregon auto insurance comprehensive coverage might help take care of, while collision might typically deal with the colliding of vehicles, overturning and other damage that comprehensive might not help take care of.
Uninsured Motorist Bodily Injury (UMBI) and Underinsured Motorist (UIM) Coverage
$25,000 person and $50,000 per person injuries to others might generally be taken care of under this type of Oregon car insurance coverage. UIM and UMBI insurance may typically cover individuals who were involved in an accident that was not their fault.
Showing Proof of Insurance
An individual may typically be able to obtain proof of insurance when obtaining coverage online. It may generally show the expiration date, policy number, list of vehicles and drivers. To acquire more information about Oregon car insurance, read “Auto Insurance in Oregon.”