Oregon Free Auto Insurance Quotes Online: Mandatory Coverage
The state of Oregon has an array of mandatory coverage that all drivers must carry on their vehicles. Liability limits are set at:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage per accident.
The state also requires mandatory PIP or personal injury protection, which provides for the no-fault first-party benefits with this type of add-on system.
Uninsured motorist coverage is also mandatory according to the state. Despite the fact that Oregon ranks a very modest 38th for uninsured drivers, with 10.4% of those on the road operating uninsured vehicles, it is still a prudent coverage to carry. If the uninsured motorist coverage limits for liability are higher than the financial responsibility requirements, underinsured motorist coverage also becomes mandatory.
Oregon Free Auto Insurance Quotes Online: Recommended Coverage
Those in the know recommend even more coverage than that required by the state. Mandatory liability limits are considered low. The recommended levels are: $100,000 bodily injury coverage per person; $300,000 bodily injury coverage per accident in total; and $100,000 property damage coverage.
Physical damage coverage on your own vehicle is not mandatory unless the car is financed, in which case the lender will mandate such coverage. If your car is not financed, you will need to decide whether or not its value is worth the premiums for collision and comprehensive coverage. Collision pays for loss from at-fault accidents. Comprehensive pays for loss from other non-moving events.
Other forms of coverage worth considering include rental car reimbursement and towing and labor coverage for when your vehicle is out of commission. Auto club memberships and premium credit cards also offer such coverage.
