Oregon Car Insurance Information

Oregon Auto Insurance

Buying Oregon Car Insurance Policy

Why you should Purchase an Oregon Car Insurance?

The mandatory insurance law of Oregon, ORS 806.010, requires drivers to have car insurance with the following minimum liability insurance requirement:

1.        bodily injury liability of $25,000 per individual

2.        bodily injury liability of $50,000 per accident for multiple individuals

3.        property damage liability of $20,000 per accident for the damaged property of others

4.        personal injury protection of $15,000 per person

5.        uninsured motorist coverage of $25,000 per individual

6.        uninsured motorist coverage of $50,000 per accident for bodily injury

The motorist should have proof of this minimum Oregon car insurance policy wherever he may drive for any unexpected inspection. This will save you from possible suspension of driving privileges and fines, aside from the possibility of your vehicle being towed.

Other inconveniences you may encounter when driving without proof of an Oregon car insurance policy includes possible conviction that will require you to file proof of future responsibility or SR-22 with DMV for a minimum of three years, otherwise your driving privileges will remain suspended. Moreover, expect higher car insurance premium because of the points you will incur due to this form of irresponsibility.

DMV is a very competent department of the government which monthly selects vehicles and asks owners of their car insurance details. It then verifies the information provided with the insurance company listed by the owner. The information should match with their records; otherwise, you need to prove your compliance with the Oregon’s financially responsibility for 3 years. That is another inconvenience you will need to worry about.

Given these facts, it is wiser if you will adhere to the rules of the State of Oregon. Not only will you protect yourself from future road accidents; but it will also save you from the hassles of filing several applications with DMV.


Oregon Car Insurance Information