What Is Auto Insurance?
Auto insurance protects drivers from financial losses experienced as a result of an accident or other type of covered incident. It’s a contract between the insured and the insurance company that defines what costs the insurance company will cover and under what circumstances. In return, the insured party pays a monthly premium to the insurance company. If the driver were to be involved in an accident or other covered incident, the insurance company would cover an agreed upon portion of repair and replacement costs, medical bills, legal costs, etc.
Why Do Oregon Drivers Need Auto Insurance?
Auto insurance is required in almost every state, including Oregon. Driving without insurance is illegal, and consequences include fines and suspended driving privileges. In addition to the legal requirements, it’s simply smart to have insurance to protect yourself from devastating financial losses in the event of an accident or other incident. You don’t want to be left in financial ruin by a lawsuit or exorbitant medical bills.
What Does Auto Insurance Cover?
The exact coverage will depend on the policy and the vehicle you’re insuring, but Oregon requires drivers to meet certain legal minimums for bodily injury, property damage, personal injury protection, and uninsured motorist coverage. You’ll also have the option to choose additional coverages to protect your vehicle itself, such as collision or comprehensive coverage. Our agents have thorough knowledge of Oregon driving laws and can help you choose appropriate coverage amounts based on your vehicle and driving habits. We also provide business auto insurance to protect company fleets and specialty coverage for RVs, boats, motorcycles, and other vehicles.
What Questions Should I Ask My Agent?
When you speak with our agents, we’ll ask you some questions to get an idea of what you’ll need from your policy. Then we’ll shop around with top insurance providers across the country to tailor coverage to your specific needs. We’ll answer every question you have, so you can be confident in your insurance purchase. Whether you work with us or another company, consider asking your agent some of the following questions:
– How much of each type of coverage do I need for my vehicle?
– Do I have uninsured motorist coverage?
– Do I need any type of specialized auto insurance for my vehicle?
– How do I file a claim?
Focus1 Insurance Group is your trusted local expert in auto insurance, and we want to help you find quality coverage that fits your budget. Call us today at 541-772-3120 for your free quote!