Whether you need comprehensive, collision, medical, liability or uninsured motorist coverage, we are here to provide the correct auto insurance package that is specific to you.
It depends on the coverage options you choose. Since bodily injury and property damage liability insurance is required in most states, at a minimum your policy should cover vehicle and property damage, injury-related expenses for other people involved in an accident you cause, up to the state-mandated minimum policy limits.
Car insurance is designed to protect you and everyone who shares the road with you from the potentially high cost of accident-related and other damages or injuries. It is a contract in which you pay a certain amount — or “premium” — to your insurance company in exchange for a
I don’t have to worry because I have full coverage. Full coverage can mean many different things. Often, drivers filing a claim are surprised to find that their full coverage does not include emergency roadside service or rental reimbursement. These optional types of coverage must be purchased separately. Read your
Protect your assets from a lawsuit (home, savings accounts, etc.) – We want to protect the things you don’t think about. Preserve the investment you have in your car – Mustang Megan wasn’t cheap; show her what she’s worth. If you or one of your passengers is injured in an
Actual cash value (ACV): The market value of your car. Adjuster: A representative of an insurance company whose job is to determine and “adjust” the amount of a loss and decide how much the company will pay for it. Binder: An acknowledgment that the insurance for which you applied is
Your insurance follows your vehicle, wherever it goes. So if you lend your car to a friend, co-worker, or visiting relative, you’re lending your insurance along with it. Your policy will defend your vehicle should any claims arise, so it’s important that whoever is borrowing the car will act responsibly.
Make sure you’re prepared for a fire with adequate coverage Insuring yourself against wildfires If the area in which you live is at risk for wildfires, make sure to take appropriate measures to protect your home against these catastrophically destructive events. Read moreWhat is homeowners insurance and why do I need it?However,
Combine icy, snowy roads with motorists who are not used to these conditions and the risk of car crashes increases. Winter is a good time to review your insurance. Do you know what your policy covers? Here are some typical questions motorists ask during winter: I slid into another car and
We get it, ‘Credit’ is a scary word, but it doesn’t have to be. Insurance companies often use consumer credit information in determining if they will offer a consumer automobile or homeowners’ insurance policy and how much that policy will cost. A credit-based insurance score is a rating based in
Types of Coverage When you purchase an auto insurance policy, you’re really buying several types of coverage. There are seven basic types: Bodily injury liability coverage pays for damages other people incur if you or someone you allow to drive your car causes an auto accident. Examples of damages include
The Oregon Driver and Motor Vehicles Division of ODOT is where you go to get a driver’s license, ID card, register your vehicle, and much much more. Kelley Blue Book provides free values and pricing on new and used cars. New car pricing includes the invoice, MSRP, and New Car
Your rates are likely to change during significant life events. Listed below are a few examples of a good time to start shopping for auto insurance. Purchasing a new vehicle Adding or removing a driver from a policy, especially a teen driver Buying a home or simply moving zip codes
Our goal is to stand up for and give back to our community. We cherish the relationships that we have developed with local non-profits such as the Sam Day Foundation, Everybody Athletics, Embrace Oregon and Friends of Baseball.
If you know of another local, community cause, please let us know!
Did we mention we are just around the corner here in Beaverton, Oregon? Come visit us at our office or give us a call at 503-649-5679 and we will review all the options with you!
