Auto Repair Insurance Companies Reviews

Auto insurance is regulated in every state, and Oregon is no exception. There are times when people feel taken advantage of by their auto insurance companies or they are unhappy with how they have been treated. These people always have a remedy in going to the state of Oregon to file an official complaint against any Oregon auto insurance company. When they file a complaint with Oregon’s insurance division, this state agency will investigate it for the consumer and, hopefully, bring the matter to a satisfactory resolution.

Auto Insurance Companies Licensed in Oregon

If no satisfactory resolution is possible, these drivers may be able to purchase their necessary Oregon auto insurance coverage from another company. They have several options for doing so, and they include:

• Farmer’s
• AIG Auto Insurance
• Mercury
• Allstate
• Nationwide
• AAA
• 21st Century
• Wawanesa

The Average Yearly Payment for Oregon Auto Insurance

Oregon auto insurance is over $200 lower than the national auto insurance yearly premium. In Oregon, people may expect to pay $1,439.40.

Lawsuits Are Unlimited in Oregon

When Oregon drivers seek to purchase their Oregon auto insurance, they will purchase more than other states require. Oregon is a tort state, so lawsuits against a driver that causes an accident are not limited by the state. To ensure that every Oregon driver can meet the financial obligations that will be required of them if they cause an accident, Oregon requires that they purchase liability coverage.

Bodily Injury Liability Insurance in Oregon

Oregon drivers must have Bodily Injury Liability coverage that will allow them to pay medical bills for one person in at least the amount of $25,000. Once the $25,000 limit has been reached, the auto insurance company will no longer be required to pay if more medical attention is necessary for this particular person.

Oregon also has a limited amount of how much Bodily Injury Liability is required for an accident in total. In Oregon, the amount is $50,000. If more than one person files claims for the Bodily Injury Liability coverage, the auto insurance company only needs to pay medical bills or funeral expenses until the $50,000 limit has been reached.

Property Damage Liability Insurance Oregon

If property has been damaged in a car collision, everyone who was affected will file a claim with the at-fault driver’s auto insurance company for the property damage liability coverage. In Oregon, drivers must have $20,000 to pay everyone’s bills for repair or replacement of the item.

Personal Injury Protection Insurance in Oregon

Personal Injury Protection (PIP) insurance is a type of coverage that is required in no-fault states, but the state of Oregon requires that its drivers obtain $15,000 of PIP insurance. This coverage will be invoked no matter who caused the accident to pay medical bills for the driver and the driver’s passengers.

Uninsured/Underinsured Motorist Bodily Injury

Further ensuring that Oregon drivers have their medical bills and repair bills paid is the fact that the state of Oregon requires Uninsured/Underinsured Motorist Bodily Injury coverage. Not everyone is going to follow Oregon auto insurance laws and purchase the required bodily injury and property damage liability coverage. If an Oregon driver is hit by someone who chose not to purchase this coverage, the Uninsured Motorist Bodily Injury will pay their medical bills. The Underinsured Motorist Bodily Injury will pay the medical bills if the insured at-fault driver does not have enough insurance to cover them in full.

The Limits of Uninsured/Underinsured Motorist Bodily Injury

Oregon auto insurance laws require Uninsured and Underinsured Motorist Bodily Injury in the same amounts as the liability coverage: $25,000 for one person, $50,000 for everyone hurt in the collision.