Because Oregon law requires auto insurance, not providing proof of coverage can have serious consequences. Even though car insurance is mandatory in many states, millions of drivers choose not to get a policy. If Oregon drivers don't take out at least the minimum amounts of auto insurance coverage required by Oregon law, they may face penalties for driving without insurance. Even though auto insurance is mandatory in Oregon, an average of 13% of the state's drivers don't have car insurance.
Uninsured motorist insurance covers the policyholder's expenses after an accident if the other driver doesn't have insurance or doesn't have enough coverage to pay for the damages. While the state of Oregon requires more types of car insurance than other states, coverage limits aren't enough. The best way to avoid this is to look for car insurance and buy a policy with comprehensive coverage. Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause.
It is highly recommended that, when you are buying car insurance, you take out a policy with increased limits and study any add-ons that make sense for your driving circumstances. While legal requirements are a good reason to get car insurance in Oregon, it shouldn't be the only reason. In addition, drivers should also consider purchasing other types of car insurance to better protect themselves.