Oregon liability insurance

Oregon auto insurance requirements

All about Liability Insurance in Oregon

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Whether you are wondering what liability insurance covers, the difference between liability insurance and full coverage, or finding cheap liability insurance with an at-fault accident record in 2022. A Plus Insurance is here to make finding the cheapest Oregon liability insurance easy for you.  

Minimum Liability Requirements for Oregon

25 /50 /20

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What does liability only car insurance cover

Oregon Liability Insurance
2022 Oregon liability insurance

When shopping around for car insurance it is very common to obtain liability insurance but you may wonder what does Oregon liability insurance cover?

  Oregon liability insurance covers the damages or injuries that you cause to others in an accident however this coverage will not pay for any damages made to yourself nor your vehicle. Liability is split into two different types of coverages that include bodily injury and property damage.

Bodily injury covers the injuries that the passengers of the other vehicle sustain while property damage pays for the aftermath of the vehicle or property if you are considered at fault for said accident but keep in mind that property damage does not cover damages for your own vehicle.

Furthermore, when getting liability insurance you can also get higher liability limits than required to help cover more of the damages that you caused but the only way you can have coverage that pays for your car damages or your injuries would be to obtain full coverage.

There can also be a requirement to have some other coverages such as personal property injury, uninsured and underinsured motorist, and medical payments. Listed below explains why these coverages can be important to obtain :

Personal Property Injury: PPI is responsible for paying for you and your passengers medical bills in any event you are injured in an accident no matter who is actually at fault.

In addition, Personal property injury will also cover any lost wages or household services you may not be able to perform due to your injuries. In the state of Oregon, PIP is required. 

Uninsured and Underinsured motorist: This coverage is responsible for paying for any type of injuries you sustain if you are hit by a driver who either does not have any insurance coverage or does not have enough limits on their policy to be able to pay for any damages or injuries.

Uninsured and underinsured motorist is also responsible for covering for you if you are a pedestrian and you sustain injuries from a driver who is not insured  or if you are a victim of a hit-and run incident. 

Oregon liability insurance limits: how to read

Oregon liability insurance is typically split up into the three main limits that include bodily injury limit per person, bodily injury limit per accident, and property damage liability limit per accident.

Bodily injury per person is the maximum limit that your insurance carrier will pay for the person’s injuries after an accident however once it goes over limit you have to pay what’s left out of pocket.

Bodily injury per accident is the maximum limit your insurance carrier can pay for the injuries to anyone that was involved in the accident.

Furthermore, property damage liability per accident is the maximum amount your insurance carrier will pay for any damages you cause to any property after an accident. 

Who can help you find cheap Oregon liability insurance?

Sr22 Insurance Oregon
2022 Oregon liability insurance

When looking for cheap Oregon liability insurance there are many key components you should keep in mind such as where or who you should speak to or go to get insurance whether that be a captive agent, an independent insurance broker, or speaking with the carrier on the phone or online.

The main differences between each option are listed below:

Captive agent: A captive agent is someone who you build a long-term relationship with that’s a representative with your carrier of choice.

When you create this relationship you can continue to go to them whether it’s a problem with your policy, if you are needing to make a claim.

However some of the downsides to this are you can only shop around for different quotes and prices in that company and coverage could possibly rise and be more expensive.

Independent insurance broker: When dealing with an independent insurance broker one of the pros is the agent can compare rates and discounts with multiple carriers within that company and can give you clear advice on which insurance would work best for you unfortunately when using an insurance broker there may be added fees to the policy.

Over the phone/Online: When speaking with the carrier on the phone or looking up quotes online it can be helpful to go by this method because it can help cut out the middleman and help you be more knowledge about insurance and what discounts and what carrier works best for you since you have to do your own research.

Therefore, you will have to spend more time looking for the right insurance for you because you are on your own looking at quotes and in any event you are in an accident or your vehicle gets stolen it can be difficult trying to get help without a personal insurance agent. 

Liability Insurance vs Full Coverage Rates

The difference between liability insurance and full converge is that full coverage includes bodily injury and property damage with additional coverage such as comprehensive and collision to cover damages to your own vehicle. Listed below are the different rates between the two:

Oregon full coverage rates

National General$126
American Family$141
Bristol West$141
Nationwide$147
Assurance America$154
Acceptance RTR$155
Progressive Insurance$158
Oregon car insurance quotes

Oregon liability insurance rates

The General$90
Progressive Insurance$93
Dairyland$97
USAA$103
National General$107
Mendota Ins. Company$111
Oregon car insurance quotes

Cheap auto insurance rates in Oregon with an at-fault accident

Oregon Liability Insurance
2022 Oregon liability insurance

AVERAGE RATE MONTHLY WITH At-fault accidents

National General$151
Nationwide$154
21st Century$162
Acceptance RTR$162
The General$163
Geico$164
GAINSCO$166
MULTIPLE VIOLATIONS

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Last Updated on by Treasure Coleman