Auto Insurance in Oregon: Everything You Need to Know

If you want to get the most out of your car insurance, you should educate yourself on auto insurance laws and requirements. Gain valuable knowledge about Oregon's minimum auto insurance options and what to do if you're in an auto accident in Oregon.

What to Do If You Are Involved in an Auto Accident in Oregon

You must file a Traffic Accident and Insurance Report immediately after you're involved in an accident. You should also file a report with the Oregon Department of Motor Vehicles even if a police report has already been filed. Doing this can help protect your auto insurance rate.

Minimum Requirements for Auto Insurance in Oregon

Oregon requires all drivers to have the following types of auto insurance:

• 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

Uninsured motorist:

• $25,000 per person
• $50,000 per crash for bodily injury
• Personal injury protection
• $15,000 per person

Optional Auto Insurance Options in Oregon

While these options are not required by law, they can offer you extra protection if you are in an accident.

Comprehensive

This form of physical damage insurance covers your vehicle from non-collision damages such as weather events or theft.

Collision

This insurance covers you from damage resulting from a collision and pays you regardless of who is at fault.

Loan/lease payoff

If you are financing your vehicle, you may consider loan/lease payoff insurance. Also known as gap coverage, this type of insurance has you covered if you are in a wreck where your car is totaled, and you need to pay off your car loan.

Roadside assistance

No matter who you are or what kind of vehicle you have, roadside assistance can always come in handy. If your car breaks down, this coverage can cover your towing costs, flat tire fixes, and even an overnight stay in a hotel.

Contact Insurance Lounge for All Your Auto Insurance Needs

If you are looking for more information or guidance on Oregon auto insurance, reach out to the team at Insurance Lounge. Contact us at (541) 479-4975 or visit one of our four storefronts throughout Oregon.