Oregon Auto Insurance

Oregon Auto Insurance questions and answers

Looking for Oregon Auto Insurance? Check out the LemonFree Cars.

Q: If you get married in Oregon, do you and your spouse have to combine auto insurance?
If you live in Oregon and you get married, is it required for the married couple to combine car insurance? Can you still keep your car insurance separate?

A: You could keep it separate, but you wouldn't want to. Married drivers are better risks and get better rates when the policies are combined. Keeping them separate introduces a coordination of coverage element that brings unnecessary confusion if there were an accident with both of them present.

Q: Does anyone know where I can get a 1 month contract with an auto insurance provider?
Im moving in about a week from oregon to utah and I do not have auto insurance. I was wondering if anyone knew of a broker that can offer 1 month of auto insurance. That way I am insured and I can get to my destination. I do not have the money to do a 6 month. so if anyone knows of any place please let me know. Thanks very much!

A: You can't. Each state sets the minimum contract time, and the minimum contract time in ANY state is six months. The good news is, if you cancel the insurance before the six months is up, you can get a partial refund of the insurance.

Q: Low cost insurance in Oregon ?
Hi we just moved from Ca and we had a low income insurance in Ca. Is there any low cost auto insurance anyone can recommend in oregon.thanks.

A: just so fly, For auto insurance the quickest way to get a low quote is do a policy comparison. Be sure to choose the same coverage levels, you can get an accurate quote to compare against others. Use the same coverage area, auto make and model, mileage and driving history to make sure you get accurate comparison. To get easy auto insurance quotes, go to http://www.goodinternetdeals.com/Auto-Insurance.html and you can compare all the major auto insurance companies.

Q: I moved to oregon. I had Washington auto ins. The Co forgot to check my change of address so i still have wa.?
I just moved from washington to oregon. I put in a change of address right away with my new insurance. I bought a new car and called them. I committed to automatic withdrawl from my checking if they would give me a low rate. I agreed but then when the money was all set up to come out she told me it was WA ins. and too late to change it. They didnt notice the new address. Is is legal to have washington insurance in oregon? She said they would do it for 6 months only then i would have to get oregon ins but is it even legal?

A: Your insurance company should be giving you insurance for Oregon; the main difference is that you have to be covered at least to Oregon requirements. Whether that's higher or lower than Washington, I don't know. Call your agent again, and tell him/her that you have moved. If he won't do anything about it, call the corporate offices, and next time, get new insurance, because whoever you've got now sounds incompetent.

Q: College Auto Insurance Question?
If I am an Oregon resident attending school in MA, and I buy a car here locally, does my insurance in OR cover me here? Additionally, if I want to add another driver to the vehicle, how do I do that and would I be liable for his damages/injuries to others if he were to crash?

A: Yes, you are covered. If you have insurance in any state in the US, they are required to provide coverage in all states. They will always cover at least the minimum in each state regardless of what limits you have. For example, in FL, minimum liability is 15/30 ($15k per person, $30k per accident) In NY, it's 25/50. If you live in NY and are driving in FL, (and you have minimum 15/30 insurance in FL) your company will cover you for 25/50. If you add a driver and that driver has an accident with your car.... your insurance company will pay the damage and YOUR insurance will go up. The only way to get that accident off of your record is if that other driver gets his/her own insurance and you submit proof of that insurance to your company.

Q: How long are auto claims in Oregon valid for?-ANYONE WITH LEGAL KNOWLEDGE OF AUTO CLAIMS PLEASE ANSWER!!!?
I was in an accident on Oct 12, 2003 in Salem Oregon, a little under 4 years ago. I was driving and was rear ended causing my vehicle to be pushed into the vehicle in front of me. My 2001 Dodge Neon which was totaled. I had severe whiplash had to seek medical attention and couldn't go to work. I had liability insurance and my insurance paid me NOTHING (I had Country Insurance) but paid out the other parties. They told me I was at fault, because in Oregon if you rearend someone it is automatically your fault. I still have pain in my neck and was involved in a similar accident recently BUT I was the person in the front and my insurance (Farmers)told me the party that was liable was actually the vehicle that initially caused the whole accident the car in the end. SO I called Country insurance to see who was liable for the accident in 04 and they said me! I explained to them that this wasn't correct. Should I get a lawyer. How long do I have to reopn the case? HELP

A: hi... to get answer for your question and to get more relavent information visit the web site... http://eijar.notlong.com http://iemoo.notlong.com

Q: My wife was in an auto accident in Oregon. There are repairs that will be needed.?
The insurance company wants us to go to a specific repair shop. They say that we have to have repairs done at that specific business or they won't pay for repairs. Is this legal? Or can I have to have the auto repairs done at any repair shop?

A: You have the legal right to take the veh to any repair facility of your choice.In most cases when you do so the insurance company will request that you get more than one estimate, and again like the answers below they will most likely always go with the lowest. Now the reason they want you to go to one of there shops is because they have contracts with those shops, and the shop direct bills the company.So in that case they don't have to make any payment out to you they just send to auto shop.Now one thing that is good about those shops is that in most cases the insurance company will guarantee the work that shop does on your veh for as long as you own it.The reason they started doing contracts with different shops is because to many people were making claims, and getting payment from insurance company.Then not repairing the veh, and trying to file another claim down the road for same damage.Hope that helps a little.Just out of curiosity what insurance company?

Q: How can I locate a professional to provide a medical disability assessment for an insurance settlement?
I need to find an independent, qualified person/service to provide expert testimony for an insurance settlement case. Specifically, to provide an assessment of the nature, extent, and prognosis of injuries I sustained in an auto accident - with the possibility of using this information if the case goes to court. I have looked online for "disability assessments", "disability profiles", etc., but am not finding anything in my local area (Portland, Oregon). Any suggestions?

A: if you are going to court, you had best find an attorney, it's his job to find you an expert witness.

Q: Do I have to pay more for my 16 yr old to drive?
Do I have to pay for a different auto insurance policy (that costs alot more)here in Oregon to allow my 16 year old son to drive our vehicles? I was told by a former ins agent, this is a scam to get more in premiums, when it is not required by law.

A: If he's driving your cars, he really can't get his own policy because he doesn't own a car that would need insurance. I don't know about Oregon, but that's pretty much insurance all around. And your policy will go up because he is a higher risk. Much higher.

Q: Have you had your car repaired at a Progressive Repair Center? How did they do?
I got hit by someone with progressive auto insurance. They took liability and Progressive is going to pay for all of my repair. They are going to have me go to their Progressive Service center, specifically the one in Portland Oregon. I want to make sure they are going to do a good job. Has anyone gotten their car repaired at one of their service centers, or even the one in Portland? Did they do a good job or would I be better off finding my own place to take my car? I would get a lifetime guarantee on the repair from Progressive. Has anyone ever had problems with this guarantee?

A: I haven't had personal experience with them, but found that at one of my local repair facilities (extremely highly rated) won't do insurance repairs for Progessive clients because Progressive won't allow them to do the repairs to their satisfaction and standards. The business is Ken Ware Chevrolet in Coos Bay, Oregon. I know the office staff would be more than willing to tell you what their experience is with Progressive and why their company will do repairs for every other insurance carrier but Progressive. My gut tells me that if they skimp on repairs from other agencies, they will do the same at their own facility. I think they are betting that you will sell the car before the problems surface. And if the repair facility isn't close to you, think how inconvient it will be to keep taking the car back repeatedly. FYI - other repair facilities also offer the lifetime repair certification - Ken Ware certified mine - and I don't own a car brand they sell either.

Q: Auto Accident Settlement Process?
I was recently involved in a MVA in Oregon. There are no issues with liabilty as the driver who caused the accident was cited for several violations including careless driving. There are also witnesses and professional MVA scene photos to support this. Having never been in an accident before, I would appreciate any advise on how to deal with this. My vehicle was totaled and sustained soft tissue damage (torn ligaments in lower back, fractured knee, broken cartilage etc.) I have been dealing with my insurance company and I am now being contacted by the claims adjuster from the other party's issurance company. Is it common for both insurance companies to contact you ? Any advise is greatly appreciated. Hi, Thanks for the info so far although there are already conflicts with the first two responses. (Exactly why I am confused) As for certainty on liabilty, police report, diagrams, witnesses, police photographs and narratives all cover this. I had right of way on a two lane highway traveling within speed limit with clear road conditions.I was cut off by a driver who abruptly made an illegal left turn in front of me causing the accident. (T-bone) I was the only one transported to hospital with no one else injured. IMO, I am lucky to be alive to be typing this for what was clearly a negligent (careless) act. Actually surprised it wasn't cited as "reckless" given the circumstances. Still confused on protocol for dealing w/ adjusters. Thanks for help so far.

A: Yes, it is common for both insurance companies to contact you. They want to hear your side of the story. If you want, you can ask your insurance company to release a copy of your recorded statement to the second insurance company (see additional information below). As long as you got the insurance information from the other party, contact his insurance company. Don't forget to contact your insurance company too. An adjuster should be assigned to handle your case (either from your insurance company or his insurance company, depending on who you call). Keep your contact with this person, who should have already received a copy of the police report. If he/she doesn't have a copy of the traffic collision report, provide him/her with one (you can get one from whichever agency prepared the report, which is assuming that you notified the police). The adjuster will want to get a statement from you (probably recorded) so give truthful answers to the adjuster (because this could be used at a later time in court). The adjuster should eventually send you a letter advising you whether the insurance company has accepted the claim. The adjuster will probably also advise you to bring your car to a garage of their choice - a preferred vendor, but you don't have to do this - or if you have something in writing from the garage you went to - so that your car can be evaluated (if it's a total loss, based upon the damage to your car and its value). If your claim is accepted, the adjuster will have a check sent to you to cover the loss. The adjuster will also send you a waiver / release, which should ONLY say what you are releasing them for (damages to car or does it include personal injury damages). If you only negotiated a settlement for the damage to your car (which is probably the case), then you need to verify that the waiver/release says that you are ONLY releasing the company and its insured (the person who hit you) from claims for any damages to your car (you'll need to sign this before you can get the check). Be sure it doesn't say anything about waiving any claims you may have for bodily injury (unless you'e negotiated a settlement for that too). That's all the information I have. Hope it was helpful.