| We have listed below several valuable sources
of information to help educate you in obtaining car
insurance in Oregon. Included are links to organizations
with helpful guides on topics such as purchasing auto insurance,
filing
claims and more.
Oregon Car Insurance Laws
Oregon auto insurance law requires a minimum liability coverage
of 25/50/10, that is: $25,000 per person; $50,000 per car
accident for bodily injury to others; and $10,000 per car
accident for Property Damage liability (PD). Personal Injury
Protection (PIP) of $15,000 is Oregon's version of no-fault
insurance. PIP covers you and your passengers, regardless
of who caused an car accident. PIP benefits covers medical
services, loss of earnings, and certain expenses of up to
$10,000.
Uninsured Motorist Bodily Injury coverage (UMBI) is also
required at a minimum of 25/50: $25,000 per person and $50,000
per accident for bodily injury to you and your passengers
caused by an uninsured driver. Consider increasing this coverage
on your policy, because an uninsured motorist probably cannot
compensate you for your losses. Remember, these are the minimum
coverage required by Oregon law, not levels of coverage recommended
by the Oregon Insurance Division.
Oregon auto insurance
companies will offer higher levels of coverage
and options coverage such as collision coverage, comprehensive
coverage, and uninsured
motorist property damage.
1905 Lana Avenue NE
Salem, OR 97314
Phone: or
http://www.odot.state.or.us/dmv/
The Oregon DMV provides driver and motor vehicle services
for residents in Oregon. DMV online services include vehicle
registration renewal, notice of vehicle sale, and change of
address. The site covers detail questions about accident reporting
and auto insurance requirements. Forms and applications for
your motor vehicle needs are provided for easy downloading.
Some can be filled directly online before printing. Oregon
Driver Manual and Oregon driver license practice test can
also be access by the public. The site provides information
on how you should act if you think that you have been a victim
of identity theft and sources to contact for help.
350 Winter St. NE Room 440
Salem, OR
Phone:
http://www.cbs.state.or.us/external/ins/index.html
The Oregon department of insurance protects
the insurance buying public through insurance education,
providing consumer assistance,
ensuring the financial soundness of insurers, and ensuring
availability and affordability of insurance. The Oregon
Auto Insurance Consumer
Guide compares car insurance rate premiums and provides
money saving
tips for drivers. The guide can
help you make an informed decision when choosing a car insurance
company. It covers topics such as types of car insurance
coverage,
required coverage, car insurance company rating categories,
your credit score, and filing a claim. The site also has
a very helpful frequently asked questions page that is a
must
read
for any
inexperience consumers. The F.A.Q. is divided into three
categories:
automobile insurance, health insurance and homeowners insurance.
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