When it comes to driving in Oregon, having the right auto insurance is essential. There are various options available to drivers in the state, each offering different levels of coverage and benefits. Understanding these options can help you make an informed decision on the best auto insurance policy for your needs.
Basic auto insurance in Oregon typically includes liability coverage, which helps pay for injuries or property damage you cause in an accident. The minimum liability coverage required by law in Oregon is 25/50/20, which means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $20,000 for property damage per accident.
Beyond the basic liability coverage, drivers in Oregon can choose to add additional coverage options such as:
1. Uninsured/underinsured motorist coverage: This coverage protects you if you're in an accident with a driver who doesn't have enough insurance to cover your losses.
2. Collision coverage: This coverage helps pay for repairs to your vehicle if you're in a collision with another vehicle or object.
3. Comprehensive coverage: This coverage helps pay for damage to your vehicle from non-collision events such as theft, vandalism, or natural disasters.
4. Medical payments coverage: This coverage helps pay medical expenses for you and your passengers after an accident, regardless of who is at fault.
5. Personal injury protection (PIP): PIP is required in Oregon and helps cover medical expenses and lost wages for you and your passengers, regardless of fault.
Before selecting an auto insurance policy in Oregon, it's important to consider your driving habits, budget, and the level of coverage you require. Comparing quotes from different insurance providers can help you find the best policy that meets your needs while staying within your budget. Remember that maintaining continuous auto insurance coverage is not only a legal requirement in Oregon but also provides financial protection in case of an accident.
