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Your Auto Insurance & What It Covers
To legally drive on public roads, auto insurance is essential – but it’s about more than just meeting legal requirements. With the right policy, you’ll have peace of mind, knowing your vehicle, health, and finances are protected from the unexpected. As your local agent, I’ll help you navigate coverage options that fit your unique needs.
What Does Auto Insurance Cover?
Auto insurance policies come with several coverage types, including those required by Oregon law and additional options that offer further protection:
- Bodily Injury Liability: Covers medical expenses for others if you’re responsible for an accident.
- Property Damage Liability: Covers repairs or replacements of property you damage in a collision.
- Uninsured Motorist Coverage: Protects you if you’re hit by a driver with inadequate insurance.
- Personal Injury Protection (PIP): Pays for medical bills and part of lost wages if you’re injured in an accident.
Optional Coverage for Added Security
- Collision Insurance: Covers damages if you hit another vehicle or object, like a tree or fence.
- Comprehensive Insurance: Covers non-collision events, such as theft, vandalism, fire, and natural disasters. This option is especially helpful for damage caused by fallen tree branches or collisions with animals.
Additional Protection Options
Roadside Assistance: Covers towing, flat tires, and jump-starts without a deductible.
Medical Payments Coverage: Provides added support for medical expenses if you don’t have health insurance.
Gap Insurance: Ensures you aren’t left paying off a loan if your car is totaled, covering the difference between what you owe and the car’s current value.
Auto Insurance Facts You Might Not Know
- Cost Factors: Your premium depends on factors like your driving record, vehicle make and model, ZIP code, and chosen coverage levels.
- Tickets and Rates: A minor ticket may not impact your rate, especially if your provider offers first-time forgiveness, but repeat offenses can increase premiums.
- Bundling Discounts: Save by combining your auto and home policies, potentially lowering your premium with multi-policy discounts.
Who Needs Auto Insurance?
Auto insurance is essential for anyone driving in the Pacific Northwest, whether you’re a daily commuter, weekend explorer, or only occasionally on the road. With the right policy, you’ll have coverage that suits your lifestyle and needs.
