What's New in Oregon
We try to stay in touch with the latest insurance related developments happening in Oregon. What happens in Salem can affect all of us from the price of gasoline to how much it will cost to drive on our freeways. Insurance related laws and orders are considered and passed constantly that will affect how much you or your insurance company will pay and the limit you will receive after an accident. The companies are constantly inventing ways adjust how they charge based on the analysis of data they collect on you, your car and all drivers. We just want you to be informed so you can make the right decision.

The State of Oregon requires four mandatory coverages:

  • Bodily Injury Liability
  • Property damage Liability
  • Uninsured Motorist Bodily Injury
  • Personal Injury Protection.

Three of the four required benefits under your auto insurance deal with medical expenses. The first one pays the other party you injure if they go to the doctor or hospital. The third one covers you if you suffer injury in a hit-and-run accident or the other driver has no insurance. The last one pays for you and your passengers if you are hurt regardless of fault.

Many people think auto insurance only covers cars, and for good reason, it’s called car insurance, not auto injury insurance. Yes, the prices of automobiles are going up, but so are the costs of medical care. A vehicle has a limited value, but you may not know where your medical expenses and therapy will end after you are released from the doctor’s care.