Like most other states, Oregon requires drivers to carry auto insurance. But Oliver Insurance knows that minimum coverage is rarely enough.
It is illegal to drive without bodily injury and property damage liability in the Beaver State. The state also mandates at least $15,000 in personal injury protection (PIP). Drivers must have uninsured or underinsured motorist insurance too. This adds to your insurance if another driver lacks adequate coverage.
While these requirements extend further than most other states, Oliver Insurance doesn’t want to leave anything to chance. Located in Canby, OR, the agency wants to ensure you have an auto insurance policy that meets your individual needs. Inadequate auto insurance can leave you exposed.
With this in mind, Oliver Insurance lists three popular auto insurance add-ons to keep you safe on the roadways.
Collision
This boosts your coverage for accidents that result from a collision. This applies to repair costs no matter who is determined to be at fault. While this isn’t a legal requirement, some lenders may request collision insurance before receiving a loan.
Comprehensive
All other forms of physical damage to your vehicle fall into the "comprehensive" category. This insurance includes any non-collision incidents. Examples include theft, vandalism, accidents caused by animals, and weather-related damage. Combined with collision coverage, this package of protections is often referred to as "full coverage."
Medical payments
Medical payments are usually rolled into PIP. However, $15,000 in coverage is low, especially in a major accident. Motorists can choose to increase their personal protection, increasing the policy limit for any needed medical care. Discuss this with your agent.
Contact an agent serving Canby, OR
Oliver Insurance goes beyond simply keeping you legal. Their expert agents prioritize your safety and security through a complete auto insurance policy. Schedule an appointment today.
