Oregon Car Insurance

The mandatory auto insurance coverage of Oregon

Oregon auto insurance law has made certain auto insurance coverage mandatory. Uninsured drivers cause damage of millions of dollars each year. Damage to the vehicle and medical care expenditure also add it. The minimum coverage mandatory for the driver are as follows:

Property damage liability: the liability coverage mounts to $10,000 if the damage caused relates to the other person’s property.

Bodily injury liability: in case of bodily injury, the liability coverage ranges from $25,000 per person to $50,000 per accident.

Personal injury protection: it provides coverage regardless of notifying who was at fault. The coverage includes medical, surgical and prosthetic services as well up to one year after the date of the accident. It also provides limited coverage for funeral expenses, essential services, loss of earning and childcare.

While all these coverage policy may seem a bit cumbersome, if you have to pay high monthly bill for them. However, you can bring down the bill considerably by paying low monthly premiums, if you could hunt for the right policy. You can control the bill adequately by curtailing collision and comprehensive coverage if your vehicle does not require them or is already an old one.

How to prove your insurance

Under the Oregon Auto Insurance law, a driver is required to carry with him the proof of liability insurance. Your insurance company should issue you an insurance card with effective date and expiration date, stated clearly on it.

If you are convicted for driving uninsured by a judge, filing proof of financial responsibility for three years with the Driver and Motor Vehicle Services is essential, otherwise you may face license suspension of your vehicle. You may face fines, seizure of your vehicle and suspension of driving privileges if you drive without liability insurance. Avert such undesirable situations by opting for a reasonable liability insurance policy.

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