Oregon Insurance Facts
The state of Oregon is situated on the western coastline of the United States, and as of 2006 it is estimated to have a population of 3.7 million with over 2 1/2 million passenger car insurance policies written in 2005. On average, an Oregonian, paid $737 per year for automobile insurance.

Oregon Insurance Requirements
Oregon has state-mandated that every vehicle on the road must have liability insurance of at least $25,000 per person, with $50,000 per accident max and at least $10,000 for property damage. Oregon also mandates that you have personal injury protection of at least $15,000 per person and uninsured motorist protection of at least $25,000 per person and $50,000 maximum per collision.

Noncompliance with Oregon State Law
Oregon drivers must carry proof of insurance, and also prove that they have coverage every time they register their motor vehicle. Oregon Department of motor vehicles, randomly selects vehicle owners and requests that the provide company and policy number in order to verify that the resident does have at least liability insurance. If you're found without coverage in Oregon, you may be charged with a class A misdemeanor, which is punishable by not only fines but also suspension of your driving license and your vehicle may be towed and impounded. Your vehicle identification number will be used on your insurance policy; you should check to be sure that all numbers on the policy match your actual vehicle.

Portland, Eugene, Salem and Springfield, Oregon Insurance Facts
Portland, Oregon is the largest city in the state of Oregon where the population as of 2006 of just over half a million. Portland had 5936 vehicles stolen in 2005. If you own a vehicle on the top 10 stolen vehicles in Oregon list such as the Honda Accord, Honda Civic, Toyota Camry, Toyota pickup, Acura Integra and others, there is a good chance that your yearly premium is above Oregon's average. You can lower your premiums by installing antitheft devices, parking in a secured parking area or your personal garage and not owning one of the vehicles on the top 10 stolen list of Oregon.

Salem, Oregon is the capital of the state of Oregon, and as of 2006 had a population of approximately 150,000 with the metropolitan area surrounding Salem of almost a half a million. Salem Oregon had 1753 vehicle stolen in 2005, you can deter the theft of your personal vehicle by installing antitheft devices, parking in a secured parking area and not owning one of the vehicles on his Oregon's most stolen vehicle list..

Springfield, Oregon has an estimated population as of 2006 of over 57,000 residents with an average daily commute time of 19.8 minutes. Spending time on the road can be dangerous and costly, making sure that all drivers in your family have taken a defensive driving course can not only lower your insurance premiums in Springfield, Oregon. But also save lives.

Oregon financial responsibility law dictates that if you are involved in an accident you will be asked to present proof of ability to cover the cost of damages caused up to a minimum amount. For this reason most drivers buy automobile liability insurance. What type of automobile liability insurance am I required to have in the state of Oregon?According to Oregon auto insurance law, you are required to have Bodily Injury Liability, Property damage liability, Personal Injury Protection and Uninsured Motorist Insurance.

What are the minimum liability limits in Oregon? According to Oregon auto insurance law, the minimum amount of liability coverage needed for personal injury is $25,000 person and $50,000 per accident. The minimum amount of liability coverage needed for property damage is $10,000. This will usually appear on the policy in the form 25/50/10.

When will I be required to present proof of Insurance?

You will be required to present proof of insurance at time of the accident. In most cases a card issued by the insurer is sufficient.

Will my insurer required to verify the validity of my insurance policy? Yes.
Your insurance company is required to inform the Department of Motor Vehicles if you cancel or fail to renew your auto insurance policy. What is more, insurers in Oregon are required to verify automobile insurance policies selected at random. What are the penalties for non-compliance to Oregon auto insurance law?Driver's license suspension and/or revocation, although not mandatory for first time offenders.

OREGON AUTO INSURANCE LAW AND LIABILITY INSURANCE

What are the laws governing Oregon liability insuranceLiability insurance in Oregon is based on the no-fault system. This means that if you were involved in an accident, you will receive payment from your own insurance company regardless of who was at fault in the accident. But Oregon is also an "Add-On" State, which means that in addition to receiving benefits from your own insurer, you also have the right to sue the party at fault for pain and suffering and for other out-of-pocket expenses such as medical costs.

Personal injuries are bodily or mental injuries caused by another person or object. If you are accused of causing a personal injury and choose to take the help of the Law for proving that you are not responsible, it can mean a long legal battle. Most people use their personal money to fight personal injury cases and soon they are exhausted of all financial resources. This is where personal injury liability insurance comes into picture.

Liability insurance is an insurance policy that provides insurance coverage for a person or an entity from claims initiated by someone. This kind of insurance is also applicable for Oregon personal injury liability. That means a person can take a policy if he is expecting to be sued for causing personal injury. The insurance company will pay the claim settlement for the injury caused. It should also pay the legal costs of fighting the personal injury law suit.

Personal injury liability insurance policies state the maximum amount that the insurance company would pay in case of a claim. To cover any additional claim amounts, the insurer can go for umbrella liability. Personal injury liability insurance covers the medical, hospital and funeral expenses of the insured, others in his vehicles and the pedestrians struck by him.

Liability insurance is very popular because it is less expensive than several other insurance policies. This is especially so with regard to auto insurance policies which are relatively cheaper than full coverage policies. A full coverage liability insurance policy would however cover damages for all the vehicles involved in the collisions, medical expenses for the first party as well as the other party, and any property damages. A regular liability insurance policy, on the other hand, would cover only the other party’s losses. General liability insurance policy covers business and gives coverage against third party claims.

Other kinds of liability insurance policies are employer’s liability insurance, D & O liability (directors and officers) and professional liability insurance. Employer’s liability covers the employee’s claims in times of bodily injury, job related illness or any other reason. This liability insurance is mandatory for all businesses. D & O liability insurance covers the acts or omissions made by higher officials (like directors) in the company. This can mean failure to act upon statements or any other actions or mistakes made by them. Professional liability insurance, on the other hand, covers professionals or experts in a particular field who may not receive general liability insurance because of their expertise. More information about Oregon personal injury liability insurance is available over the Internet. Your attorney would also be able to guide you through it.

Cheap Portland car insurance is easy to get when you purchase only the minimum liability auto insurance requirements in Oregon. When it comes to minimum car insurance requirements, Oregon leaves very little out. Portland drivers must have person bodily injury, property damage liability, a “per crash” bodily injury, a “per crash” property damage, personal injury protection (to cover the cost of any medical treatment to the injured party up to one year after the accident), and uninsured motorist coverage.

With so much Portland car insurance, you may feel you don’t need full-coverage auto insurance in Oregon.

The minimum required Portland car insurance amounts are as follows:

• $10,000 per crash for property damage

• $15,000 personal injury protection

• $25,000 per person bodily injury and property damage liability

• $50,000 per crash for bodily injury to others

• $25,000 per person and $50,000 per crash for bodily injury of Oregon uninsured motorist coverage

Of course, not all Oregon drivers can get cheap Portland car insurance by purchasing the minimum liability auto insurance requirements. Why? Not all drivers are eligible to purchase only the minimum requirements. Sometimes lenders and/or Oregon car insurance companies require drivers with cars they don’t own outright to purchase full-coverage auto insurance. Perhaps a driver has had his or her license suspended or revoked and has been ordered by the courts to purchase more than the minimum liability auto insurance requirements in Oregon.

Whatever the reason, these Oregon drivers must find other ways to get cheap Portland car insurance. Satisfying the orders of the courts, as well as working to repair the driving record, is one way to lower the cost of auto insurance; so is purchasing a car with – or adding – safety features. You can also take safety precautions such as parking your car in well-lit areas such as private parking lots to further protect your vehicle and lower your Portland car insurance premiums.