If you are a motorist in Oregon, it is the law that you must have at least a liability auto insurance coverage. The minimum amount of insurance each driver must obtain is $25,000 per person for bodily injury and property damage liability, including $50,000 per crash for bodily injury to others and $20,000 per crash for damage to other people’s property. You must have at least $15,000 per person of personal injury protection and uninsured motorist insurance in the amount of $25,000 per person and $50,000 per crash for bodily injury but what other coverage options are available to Oregon drivers?
Collision insurance is a level of auto insurance that includes coverage for repairs to your vehicle they may need to be made if you were involved in a traffic accident, no matter who is at fault. This type of coverage also covers property damage and any damage to the vehicle that is a result of the collision with other things besides someone’s vehicle on the road, such as trees, poles, and buildings. If your car is declared totaled by the auto insurance company, this type of coverage may provide a replacement vehicle of the same market value or a nice down payment for another vehicle.
Comprehensive insurance coverage will replace your vehicle if it is stolen or it is damaged by a natural disaster, such as a tornado, hurricane, or hail storm. This also includes damages sustained by your vehicle due to vandalism after a police report is filed.
These are just basic insurance categories and you can work with your trusted and experienced auto insurance agent to create the very best policy for you and your situation. She or he will have the skills and database to find the best insurance options for you so that you can drive with confidence and the peace of mind you deserve.
The staff and insurance agents at the Linda Dugan Insurance Agency in Astoria, OR are ready to serve you and all of your auto insurance needs by connecting you with the best insurance options in Oregon. Call for an appointment today!