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Insurance Limits

There is mandatory automobile insurance in Oregon. The minimum is $25,000 liability for injuries to an individual with a total limit of $50,000 per accident. There is also a $15,000 limit on medical expenses related to a motor vehicle collision incurred within one year of the accident.

I urge consumers to get more that the minimum limits. A serious automobile accident can quickly exhaust these limits, particularly if injured people are hospitalized. Talk to your insurance agent about getting higher limits. It may add very little to the cost of the policy.

When you get higher limits, it not only gives you better protection in liability situations, but also protects you for injuries suffered through the fault of an underinsured or uninsured driver. The same limits you have for liability will give you a claim for underinsured or uninsured drivers.

This Blog article in not to be considered legal advice. You should contact a lawyer for information that is specific for your legal needs.

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