Auto Coverage in Oregon
Oregon Auto Insurance
Oregon drivers must have auto liability insurance, and carry proof with them in their cars while driving . If a traffic officer pulls you over, and finds you don't have insurance, then your car may be towed and you could receive a misdemeanor, which is punishable by fines and up to an entire year in jail.
Minimum Oregon auto insurance
The required minimum auto insurance coverage in Oregon State is high compared with other states. The amounts are included below . Unlike many other states, Oregon does require uninsured motorist coverage, as well as personal injury protection.
- Bodily Injury and Death: $25,000 to cover one person in any one accident, and $50,000 to cover all injuries
- Property Damages: $10,000
- Uninsured Motorist Coverage: $25,000 to cover injuries for one person, and $50,000 to cover all injuries for any one accident
- Personal Injury Protection: $15,000
Depending on the age and the condition of your vehicle, it may also be smart to carry collision and comprehensive insurance that will cover damage to your car, in addition to the required amounts above.
Penalties without Oregon auto insurance
The penalties in Oregon are harsh if you're caught without auto insurance on your person – as stated above, you risk getting your car towed, expensive fines, and even a year's jail sentence.
The state follows a tort system in case of accidents, meaning that one of the drivers involved in a crash must be found at fault for causing the crash. The at-fault driver will be responsible for paying for all of the damages.
An Oregon auto insurance policy is an important protection that helps cover your costs, should you be at fault for an accident. You may want to consider purchasing more than the minimum coverage in order to protect your investment in your car . This ensures that – should you be blamed in a crash – you'll have enough insurance coverage to pay for all of the costs associated with the accident.