The 411 on Oregon Car Insurance Compliance
http://www.articlesdirectory.org/articles/138935/1/The-411-on-Oregon-Car-Insurance-Compliance/Page1.html
Anthony Peck
Anthony M. Peck is the Senior Developer, Software Project Manager, and
Director of Business Development for http://QuoteScout.com. For more information, please visit
them on the web at QuoteScout.com. By Anthony Peck
Published on 28 April 2009
Recent studies show that within the next two to three years the number of drivers out on the road without car insurance is going to climb to 17% or higher. It's a safe bet that those drivers aren't going to be coming from Oregon! When it comes to car insurance compliance Oregon is pulling out all the stops.
Recent studies show that within the next two to three years the number of drivers out on the road without car insurance is going to climb to 17% or higher. It's a safe bet that those drivers aren't going to be coming from Oregon! When it comes to car insurance compliance Oregon is pulling out all the stops, so if you're registering a car, truck or motorcycle in Oregon it pays to do your homework. Remember, Big Brother's watching!
Oregon Minimum Car Insurance Requirements
It would be impossible to enforce car insurance compliance without first setting a bare minimum for car insurance coverage in the first place. The Oregon DMV (and State Police!) are sticklers for Oregon's minimum car insurance requirements, so it pays to do your homework before you go shopping for an insurance policy. To register your Oregon vehicle you're going to be required to show proof of car insurance coverage to the tune of:
1. $25,000 per person bodily injury and property damage liability,
2. $50,000 per crash for bodily injury to others,
3. $10,000 per crash for anyone else's personal property that decides to get involved,
4. $15,000 in personal injury protection (to cover "reasonable and necessary medical, dental and other expenses one year after a crash"), and
5. $25,000 per person and $50,000 per crash in uninsured motorist coverage.
What Happens If You're Busted Without It?
In many states you'll get a slap on the wrist and a fine if a judge busts you driving without car insurance, especially if you live in a state that allows it (with a fee, of course). Oregon isn't one of them. If you're busted driving without insurance in Oregon you can expect to have to appear before a judge, who will likely still slap you with a fine and may suspend your driving privileges. You might even have to pay "relocation" (towing) and storage fees for your car after they order it towed away.
The possibilities are endless, but needless to say-it's not good.
Forced Compliance
After you've been caught driving without insurance you're going to be forced to show proof of continued financial responsibility for the next three years in the form of an SR-22 from your insurance provider. An SR-22 lets the DMV know that you are, in fact, continuing to carry the minimum Oregon car insurance requirements on your vehicle and therefore have no need to spend any more quality time in a courtroom.
Since no one really wants to have to appear in front of a judge, making sure your car is covered by the minimum Oregon car insurance requirements is the best thing you can do to protect your vehicle, your reputation and your bank account.
Oregon Minimum Car Insurance Requirements
It would be impossible to enforce car insurance compliance without first setting a bare minimum for car insurance coverage in the first place. The Oregon DMV (and State Police!) are sticklers for Oregon's minimum car insurance requirements, so it pays to do your homework before you go shopping for an insurance policy. To register your Oregon vehicle you're going to be required to show proof of car insurance coverage to the tune of:
1. $25,000 per person bodily injury and property damage liability,
2. $50,000 per crash for bodily injury to others,
3. $10,000 per crash for anyone else's personal property that decides to get involved,
4. $15,000 in personal injury protection (to cover "reasonable and necessary medical, dental and other expenses one year after a crash"), and
5. $25,000 per person and $50,000 per crash in uninsured motorist coverage.
What Happens If You're Busted Without It?
In many states you'll get a slap on the wrist and a fine if a judge busts you driving without car insurance, especially if you live in a state that allows it (with a fee, of course). Oregon isn't one of them. If you're busted driving without insurance in Oregon you can expect to have to appear before a judge, who will likely still slap you with a fine and may suspend your driving privileges. You might even have to pay "relocation" (towing) and storage fees for your car after they order it towed away.
The possibilities are endless, but needless to say-it's not good.
Forced Compliance
After you've been caught driving without insurance you're going to be forced to show proof of continued financial responsibility for the next three years in the form of an SR-22 from your insurance provider. An SR-22 lets the DMV know that you are, in fact, continuing to carry the minimum Oregon car insurance requirements on your vehicle and therefore have no need to spend any more quality time in a courtroom.
Since no one really wants to have to appear in front of a judge, making sure your car is covered by the minimum Oregon car insurance requirements is the best thing you can do to protect your vehicle, your reputation and your bank account.