Insurance Required for Oregon

When you're in Oregon you're required to have a minimum of:
1. $25,000 per person bodily injury and property damage liability,
2. $50,000 per crash for bodily injury to others,
3. $10,000 per crash for anyone else's personal property that decides to get involved,
4. $15,000 in personal injury protection (to cover "reasonable and necessary medical, dental and other expenses one year after a crash"), and
5. $25,000 per person and $50,000 per crash in uninsured motorist coverage.

Is This All I Need to Have?

With today's stiff economic hardships and the recession dragging on with no immediate end in sight it's very, very tempting to say good enough is good enough and stick with the bare minimum Oregon car insurance requirements (i.e. whatever isn't going to get you slapped with fines you'll be paying off for years).

That doesn't mean you're going to be protected against whatever life and route 84 throw your way. Who's going to pay for damages to your vehicle if hail the size of your fist starts falling from the sky? Or your car gets stolen while you're shopping at Lloyd Center? There are an infinite number of possibilities besides crashing that could cause damages to your car, and you don't want to be left without wheels for weeks while you try to come up with the money. That's why even though they're not technically part of Oregon's car insurance requirements, comprehensive and collision coverage for your vehicle should still be a part of your insurance policy. But that's entirely between you and your budget.

When it comes to car insurance Oregon isn't playing around, so don't wait. Contact your Oregon car insurance dealer today to make sure you've got the insurance coverage you need at a price you can afford.