Auto Insurance
If you want to register and operate a vehicle in Oregon, you must carry at least the minimum auto insurance mandated by the state. Oregon has some of the most stringent requirements for liability coverage, but this actually protects both you and other motorists on the road.
If you are purchasing auto insurance, you must have this coverage, at minimum:
Bodily injury and property damage liability
- $25,000 per person
- $50,000 per crash for bodily injury to others
- $20,000 per crash for damage to others’ property
Personal injury protection
- $15,000 per person
Uninsured motorist
- $25,000 per person
- $50,000 per crash for bodily injury
You may elect to carry more liability insurance than the minimum the state requires, however. We often recommend this for our clients in Portland, Beaverton, and Gresham, especially if they have new or young drivers in the house or if they are high-net-worth individuals.
Additional Coverage Offers Better Protection of Your Vehicle
Keep in mind that liability coverage protects you and other drivers for things like medical bills and damaged property after an accident. However, it does not cover your vehicle if you are at fault in an accident.
That’s why we encourage most drivers to purchase additional collision coverage. If you rely on your vehicle to get to work, school, errands, or family activities, you will appreciate this protection. It covers repairs to your vehicle, so you can resume your normal life more quickly after an accident without having to pay thousands out of your own pocket.
To complete full coverage of your car or truck, which may be required if you finance your vehicle, we also recommend comprehensive insurance. This covers your vehicle in the event of theft, vandalism, and damage or loss due to fire and most natural disasters.
Our Independent Agents Can Tailor an Auto Insurance Policy Just for You
Everyone’s needs are different when it comes to auto insurance. We think you’ll find working with our independent agents at Chamberlain Insurance Agency more helpful than going to those big-name insurance companies. We have many more insurance products available to us, and we’re better able to customize an auto policy to you, with personalized service that’s tough to find these days.
Call us at 503-256-1448 to get started on a policy right away, or reach out online for more information or a fast quote. Don’t risk going without the coverage you need in Oregon. Get in touch today.
Frequently Asked Questions About Oregon Car Insurance
Actual cash value generally reflects a vehicle’s value at the time of loss, considering factors like age and depreciation. Replacement cost refers to the amount needed to replace an item with a similar one.
A policy endorsement is a modification that changes or adds to the terms of an insurance policy. It can be used to adjust coverage, limits, or conditions.
Endorsements become part of the policy once issued and may affect how coverage applies.
Coverage limits are the maximum amounts defined in a policy for different types of claims. These limits can apply per person, per accident, or per type of loss. Selecting appropriate limits is an important part of structuring a policy.
Uninsured and underinsured motorist coverage is intended to provide protection when another driver has no insurance or not enough coverage. It is typically subject to your policy’s limits and terms, and availability or requirements can vary.
Gap insurance can help cover the difference between a vehicle’s value and the remaining balance on a loan or lease. It is commonly associated with financed or leased vehicles. Availability and terms vary by policy.
Start Your Auto Insurance Quote
Chamberlain Insurance strives to offer you quality insurance coverage, a high level of professional service and a long-term relationship.
As independent insurance agents in Portland, we’ll research rates and coverage from top insurance companies to find the best insurance rates and insurance plans for you.
We do the insurance shopping and comparing for you to save you time and money on your auto insurance.
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