Essential Oregon Auto Insurance

Road users in Oregon are currently paying a typical $1,562 each year for their auto insurance coverage and this figure is essentially in line with the national US average. Although the demands made on Oregon motorists are fairly extensive, the sparse geographical nature of the state means that accidents are less likely to happen so auto insurance quotes remain under control.

Naturally, there are a series of mandatory requirements that all drivers must meet in order to operate their vehicles legally. The most recent minimum levels of coverage came into effect on January 1st 2010 and are determined as follows:

  • $25,000 worth of bodily injury liability per person
  • $50,000 worth of bodily injury liability per accident
  • $20,000 worth of property damage liability
  • $25,000 worth of uninsured/underinsured motorist coverage per person
  • $50,000 worth of uninsured/underinsured motorist coverage per accident
  • Personal injury protection to a limit of $15,000

Bodily injury liability covers the costs associated with injuries sustained by any third party when a policyholder is found to be at fault in a road traffic accident. Property damage liability operates in the same fashion but covers the costs of repairs or replacement to the property (including vehicles) of other road users.

The growing problem of uninsured and underinsured motorists is tempered by UIM coverage and this auto insurance feature acts as a safeguard if the policyholder is hit by an insufficiently covered driver. Personal injury protection is enforced as a means of covering medical costs for the policyholder even though they may have been found to be at fault in a road traffic accident.