Category: Auto Insurance

Being in a car accident is stressful, but remaining calm and focused is imperative. Directly after the accident occurs, check yourself for injuries before moving to any passengers in your vehicles. If another vehicle is involved, only extricate yourself from your car once it is safely moved out of the road – if possible – and then check on the individuals in the other vehicle. If you are in doubt as to whether you or someone else is injured, err on the side of caution by calling 911 and requesting medical attention. Additionally, even if the accident is minor, contact the police to request assistance. Having a police report will be invaluable for the insurance claim process and for any further adjudication if needed.

Once you’ve established that all parties are uninjured, start gathering information from those that are involved. Information to collect includes:

• Photocopies of Driver’s Licenses or State IDs
• Vehicle Descriptions (Make, Model, Year)
• Photocopies of Insurance Cards
• Eyewitnesses: Names and Phone Numbers
• Accident Scene Address/Location
• Responding Police Officer’s Name and Badge Number

Additionally, be sure to take photos of the accident to include the vehicles involved. Do not admit fault to anyone, even if you think it was your fault. The claim process can be started while you are still at the accident scene. File your claim online, by phone, or from an app if that is an option with your carrier. 

At Oliver Insurance in Canby, OR, we are your auto insurance professionals and can help you from opening a policy to filing a claim. At Oliver Insurance in Canby, OR we strive to deliver exceptional service while treating our customers like family. Give us a call today to learn more about our insurance services.

Those that are in the Canby, OR area will want to own a vehicle to ensure they can get around the community efficiently. Whenever you are in the process of buying a car, you will also want to evaluate your auto insurance needs. There are a few reasons that the typical car owner here will need to have this insurance coverage. 

Stay in Compliance with Insurance Requirements

A reason that car owners in this state will need to carry insurance is so they can stay in compliance with their requirements. An Oregon car owner is likely to take out a loan when buying a car, which will require the owner to carry a collision and comprehensive plan. Further, vehicle owners and drivers in this state need to have liability insurance whenever they are going to drive their cars. Having an insurance plan will ensure you remain in compliance with these requirements.

Protect Investment and Asset

If you choose to purchase a car, you will be making a big investment and asset purchase. Due to this, you will want to make sure you are protecting and insuring your investment as well as you can. A great way in which this can be done is by getting proper insurance as it will help to ensure your investment in your asset is protected. 

People that are in the Canby, OR area need to ensure that they have proper insurance coverage for their vehicle. If you are assessing your insurance needs in this part of the state, it would be a good idea to call Oliver Insurance. The team with Oliver Insurance will provide you with all of the support that is needed to understand your insurance options and needs. They can then provide the support necessary to build an ideal plan. 

Most motorists understand that purchasing auto insurance is a necessity. However, how much to purchase and what type may sometimes be a little difficult to navigate. Certain tips may help drivers determine what they need, in terms of auto insurance, as well as what they don’t need. Other essential tips include additional factors that may or may not affect what you pay for auto insurance as well as what is covered by different types of auto insurance. 

Consider Your Unique Situation
When it comes to determining how much and what type of auto insurance you need, your own unique situation should always take precedence over everything else. Of course, you will have state minimum requirements that you must meet regardless, but there will be other things to consider beyond the legal requirements to drive. Consider the cost of your insurance and its affordability. This is extremely important when it comes to determining the right deductible for your financial situation. You should also report changes in your driving that include reduced mileage. This could lower your insurance rates as well. Plus, it’s another specific detail about your driving history that should be reflected in your auto insurance coverage. 

Understand the Difference Between Collision and Comprehensive coverage
The Canby, OR team of Oliver Insurance understands that this may be confusing to many motorists. Collision insurance is associated with car accidents that involve a collision. This is the easiest way to understand this type of coverage. However, hitting a deer in the middle of the road wouldn’t necessarily fall under collision coverage. This is where a comprehensive insurance policy would come into play. Following the same thought, if you turn to avoid hitting a dear and collide with another car, collision coverage would include this accident. Conversely, comprehensive insurance would cover losses and accidents that don’t necessarily result from driving a car. This includes losses that come from theft, severe weather conditions like hail, storms, and fallen trees. Hitting a deer would also fall under comprehensive insurance coverage. Typical circumstances that are covered by comprehensive insurance include fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal. If you have questions regarding the best auto insurance policy for you you and your situation, give us a call. We’re happy to help guide your decision-making process and answer all of your questions. 

Owning a vehicle and having a driver’s license comes with some responsibilities. One of them is to maintain the state-mandated auto insurance on your vehicle. It is your responsibility to know what those mandates are before taking a vehicle out onto the road. At Oliver Insurance in Canby, OR our experienced team has been serving the area since 1972. Our goal is to make sure you are in compliance with the law and have the perfect coverage for your needs. 

In Oregon, it is not legal to drive a vehicle without auto insurance. You can’t register a vehicle without it. Every driver must cover their vehicle with at least $25,000 in liability for each person in a crash and $50,000 for the total accident. Additionally, there must be $20,000 for property damage. Drivers must also have $15,000 PIP (personal injury protection) and insured motorist at the same minimum and maximum as the bodily injury.

The state of Oregon takes not having the required auto insurance very seriously. Depending on the circumstances that bring your lack of insurance to the attention of the authorities, you could be fined anywhere from the minimum of $130 to more than $5000. 

If you live in Oregon and have an auto loan or a lease, you will have additional requirements. You must protect the vehicle you’re driving in the event it gets damaged. This requires you to carry collision and comprehensive coverage. Even if you don’t have a loan or lease, if your vehicle is worth more than a couple of thousand dollars, it is probably a good idea to maintain comprehensive and collision coverage. Living without a vehicle would be a hardship for most people and having the ready money to replace or repair your vehicle may also be difficult.  

Contact Oliver Insurance in Canby, OR for your auto insurance needs. 

Do you know much about automobile insurance? Whether you’re getting auto insurance for the first time or simply haven’t had much experience, there are terms that you’re bound not to know. Oliver Insurance of the Canby, OR area can help break these down further for you.

Deductible

This refers to the amount you’re expected to pay out-of-pocket when you have damages. You pay this before you get reimbursement from your insurance company. The higher your deductible, the lower you’ll pay for your premium.

Premium

This is the amount you’ll pay for the right to have coverage under their policy. Usually, you decide if you want to make the payments on a monthly, quarterly, or 6-month basis.

Liability Limits

Even though you may have auto insurance, you don’t just get any amount you wish. The policy has a set limit on what it pays out for injuries and damages. It’s possible to raise your limits but this also raises your premiums.

At Fault

At-fault refers to the individual (or several people) who are determined to be at fault for an accident. Typically, the person who is at fault (or their insurance company) will be required to pay most of the damages to each vehicle that was involved.

Rider

This is also known by the term "endorsement". It refers to a written agreement that’s included with the basic insurance policy allowing for the number of benefits under the policy to increase or decrease.

Liability Coverage

This covers injuries and property damage to another party when you are deemed to be at fault. It’s required by each state in one form or another.

Comprehensive Coverage

Though it’s sometimes called "full coverage", comprehensive is not actually full coverage. It covers damages that occur to your automobile from collisions and outside elements such as vandalism, theft, hail, fire, flood, and wind.

There’s a great deal more to learn when it comes to auto insurance. Fortunately, you have quality assistance on your side with Oliver Insurance of Canby, OR and beyond. Reach out to us with your questions.

The drivers of Canby, OR aren’t usually thinking about their auto insurance when they get in their vehicles. They’re thinking about whether or not they’ll make it to a destination in time and which routes they’ll take. Maybe they’re just thinking that they can’t wait to hit the open road. But as much as insurance might be the last thing on their mind, that won’t help if they realize they don’t have enough coverage down the line. Oliver Insurance wants you to know more so you can get what you need. 

A Few Questions 

There are a few major questions to ask yourself before selecting an amount of coverage:

• Can you cover expenses if you opt-out of certain types of coverage? For example, if you choose liability only, this will not cover the damages of your car in the event that you cause an accident. If you need to replace your car entirely, are you prepared to do this?
• What kind of upgrades have you made?  If you’ve outfitted the car with the latest stereo equipment or after-market parts, you’ll need to let your insurance carrier know this, otherwise, these items may not be covered should they be damaged or stolen. 
• How do you use the car? If you’re using your vehicle for business purposes in Canby, OR, you may need more coverage than someone who’s merely driving it to church once a week. 

Knowing the Difference 

If you have questions about the different levels of policies available to you, Oliver Insurance is here to help. We serve the people of Canby and ensure that they get the perfect amount of coverage for them. When you’re ready to discover how different types of coverage will function for you and your needs, contact us today. 

If you live and work in the Canby, OR area, you probably do a lot of driving there, too. That means you need good auto insurance to protect your interests and those of other drivers when you’re on the road. At Oliver Insurance we can help you get the policy that’s right for your needs, so you can have peace of mind behind the wheel. Whether you’re taking weekend trips or just commuting to and from work, knowing you’re protected makes a difference. But you also don’t want to get insurance that doesn’t work for you, or that goes far beyond what you actually need for your situation. We can help you find a good balance.

The right vehicle policy is the one that works for you, and that covers you properly for the kind of vehicle you have and the driving you do. There are state minimum limits that have to be met with your insurance policy, but you don’t have to stop there. The level of coverage you choose and any additions you want to make to your policy are both areas where you might have questions. We’ll be happy to answer those questions, so you get quality information and can make an informed choice about the insurance coverage you want.

Contact us today at Oliver Insurance, by calling or stopping by. If you’re in the Canby, OR area we can help you get the auto insurance you need. We want you to understand your insurance options, and have all your questions answered. Then you’ll have the best chance of getting a quality policy that meets all your requirements. We can also help you update or change a policy you already have with us, or switch your policy over to our services. Don’t hesitate to ask us for the help you need.

Those that are in the Canby, OR area will likely find that they need to have a car in order to get around town. To ensure that you are properly protected, getting an auto insurance policy is a necessity. While there are some complexities that come with choosing auto insurance, there are several tips that can be followed that could help to make this easier and clearer for you in the future. 

Choose the Type of Coverage

The first tip to choosing an auto insurance policy in Oregon is to choose the type of policy. When you get auto insurance, you are only required by law to carry liability insurance. However, if you would like to be able to replace your vehicle with insurance proceeds after theft or an accident, you will want to upgrade to a full collision and comprehensive insurance policy. 

Consider Deductible Level

Whenever you file an insurance claim, the insurance company will first require you to come out of pocket for your deductible. If you choose a high deductible auto insurance policy, your premiums won’t be as high. However, if you have to make a claim, you need to make sure that you have access to cash at least as much as your deductible. If you do not have this cash on hand, you should choose a lower deductible. 

Picking an auto insurance policy is a big choice for anyone in the Canby, OR area. To ensure that you are making the right choice, you should call Oliver Insurance. The team of insurance professionals at Oliver Insurance can answer any questions that you have about all of your options and needs. This will help you get into a great auto insurance policy based on your situation. 

Everyone is already well aware of the importance of taking their automobiles in for service checkups. However, there is a wide range of motorists who do not take similar steps when it comes to their auto insurance policies. An annual review is crucial and it is a key aspect of the winter preparation process. 

Oliver Insurance in Canby, OR is here to help motorists make sense of it all. Let’s take a closer look at the advantages of auto insurance review:

Receiving Discounts

A client who is looking to save on their auto insurance costs this winter will want to make sure that they are engaging in the review process. Once the best coverage has been located, why would the client want to miss out on any potential discounts? In many instances, an insurance company will offer its clients the chance to enjoy access to financial incentives that they may not have been aware of otherwise.

A Better Understanding

The client may have a policy that offers too much coverage or too little coverage. Once the review is finished, the policy holder is in a better position to make the necessary determinations. The insurance policy is going to reflect their current needs, as opposed to reflecting their needs at the time when the policy was obtained. 

Establishing Winter Scenarios

The winter weather can cause a number of nightmare scenarios to take place. That’s what makes auto insurance review so important. The client is able to have a consultation meeting with an experienced agent who will walk them through each of these scenarios. By taking the time to present these scenarios to an auto insurance agent, the client is more confident in their policy and enjoys the necessary peace of mind. 

An annual auto insurance review is a necessary aspect of the winter preparation process. Be sure to meet with an experienced agent at Oliver Insurance in Canby, OR as soon as possible, so that they can walk you through the ins and outs of your current policy. 

Like most states, Oregon requires drivers to have minimum liability insurance.  In reality, this is not enough to protect you financially.  More comprehensive plans have benefits that protect.  The agents at Oliver Insurance, serving the Canby, OR area, can explain your auto insurance options. 

It’s good, to begin with an understanding of what liability insurance actually covers.  When an accident occurs and you are deemed to be at fault, the liability insurance will pay the repair costs and medical expenses for the other party up to a predefined limit.  If it exceeds that amount, you will be responsible for the overage.  It will not cover any of your expenses.  If the injured person decides to sue you, you could be held responsible for the legal fees.  This can be financially overwhelming.  The best time to get insurance is before you need it.

A better approach is to talk with your agent about more comprehensive insurance policies.  They will be able to provide information on policies that suit your lifestyle.  They will also get you the best possible price.  Accidents happen and they are very expensive.  Even seemingly minor accidents can cost thousands of dollars when medical and legal expenses are added to repair costs.  Yet with a comprehensive auto policy, you are financially protected.  The team at Oliver Insurance can assist with your auto insurance needs.  In the Canby, OR area, they are insurance specialists.  They will take the time to explain the policy and answer any questions you may have.  Visit their website to get generate information and explore their rating tools.  When you’re ready, call or come by and visit with them.  It’s never too late to get the benefits of an auto insurance policy that best suited for you!