The General® is pleased to provide auto insurance in Oregon.  We offer low cost auto insurance online even if you have a less than perfect driving record, have never been insured before, have let your policy lapse, or have had your coverage suspended or revoked.

We’ve provided some information below that we hope will be helpful in answering some of the more common questions we’ve received from our customers.

Minimum Level of Coverage

Oregon law requires every vehicle to be covered by auto insurance.  Nevertheless, millions of dollars in damage is caused each year by uninsured drivers.  This includes damage to vehicles and medical care for those injured in accidents.  Oregon’s mandatory-insurance law requires that drivers have at least these coverage’s:

Bodily injury (BI) liability

- $25,000 per person, $50,000 per accident for bodily injury to others. 

Property damage (PD) liability

- $20,000 per accident for damage to the property of others.

Personal injury protection (PIP)

PIP is Oregon’s version of no-fault insurance.  It allows you and your passengers, regardless of who caused an accident, to have insurance coverage for “reasonable and necessary” medical, dental, hospital, surgical, ambulance, and prosthetic services incurred within one year after the date of an injury up to a maximum of $15,000.  In Oregon, minimum PIP benefits include limited coverage for loss of earnings, funeral expenses, essential services, and child care

Uninsured motorist bodily injury (UMBI) and underinsured motorist (UIM) coverage

$25,000 per person, $50,000 per accident for bodily injury to you and your passengers caused by an uninsured or underinsured driver.  UMBI and UIM coverage require your insurance company to pay all expenses that would normally be paid by the other person’s company if you are hurt by an uninsured or underinsured motorist.

Frequently Asked Questions Regarding Oregon Auto Insurance

What’s the difference between comprehensive and collision coverage?

Comprehensive coverage typically covers damage from fire, theft, explosion, glass breakage, animal collision, and other incidents not covered by collision coverage.  Collision is usually defined as colliding with another object or overturning.

How Do I Prove I Have Insurance?

We will send you a Proof of Insurance card listing the covered automobiles and drivers and showing the policy number and expiration date.  Your policy or a temporary binder is also an acceptable evidence of insurance.  The General® can provide instant Proof of Insurance for Oregon drivers.

What if you’re currently driving without coverage?

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Oregon Department of Insurance
Oregon Department of Motor Vehicles
Oregon State Police
Oregon Department of Transportation