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 Injury Protection, Uninsured and Underinsured Motorist, and Medical Payments.

Listed below explains why these coverages can be important to obtain:

Personal Injury Protection: PIP 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.

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. 

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 with who you build a long-term relationship that’s a representative of your carrier of choice. When you create this relationship you can continue to go to them whether it’s a problem with your policy, or 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.