The proper insurance coverage for your risk tolerance.

At times, insurance can be very confusing and frustrating.  How much coverage do I need?  Why am I paying so much for insurance? Our experienced insurance agents are ready to meet with you to discuss your insurance options according to your risk tolerance.  Insurance is not just about price.  Insurance is about making sure that you have the proper insurance coverage for you and your passengers in the event of an accident.  Insurance laws are always changing and it is important for you to know what is coverage under an insurance contract.  The worse time to find out that you are not properly covered is during a claim situation.  Don’t get caught unprepared.  Let us help.

What are the different kinds of coverage?

From liability to full coverage, our agents are knowledgeable and can explain insurance so that it makes sense to anyone.  Oregon’s mandatory insurance law requires every driver to insure their vehicle.  The minimum coverage is as follows:

Bodily injury and property damage liability– $25,000 per person; $50,000 per accident for bodily injury to others and $20,000 per accident for damage to property of others.

Personal injury protection– $15,000 per person

Uninsured motorist– $25,000 per person and $50,000 per accident for bodily injury.

Collision- Direct or accidental physical damage coverage to an auto.

Comprehensive– Coverage to your vehicle caused by vandalism, theft, windshield damage, hitting an animal, a “random act of nature”.

Collision and comprehensive deductibles can vary depending on risk tolerance and cost.  Please call one of our insurance agents to discuss these options.