Bodily Injury Liability
Compensates third parties for medical expenses, recovery care, lost work income, and legal defense expenses when you are found to be primarily at fault for a motor vehicle collision.
- Satisfies Oregon minimum limits
- Protects personal savings assets
- Covers third-party ambulance costs
- Pays pain and suffering damages
Property Damage Liability
Covers repair costs for structures, vehicles, fences, and public utility assets damaged during dynamic operations where you are determined to be the cause of the incident.
- Covers structural fence damage
- Vehicle total-loss replacement
- City asset restoration covers
- Prevents direct personal civil suits
Collision Coverage
Pays to repair or replace your own vehicle after making impact with another automobile, tree, utility pole, guardrail, or during an unexpected vehicle rollover.
- Deductible match flexibility
- Bypasses fault determinations
- Safeguards leased auto contracts
- Covers total-loss valuation payouts
Comprehensive Coverage
Protects against vehicular loss caused by events outside direct collision metrics, including Northwest winter storm damages, falling trees, flooding, deer strikes, or auto theft.
- Low windshield repair deductibles
- Theft recovery and total-loss
- Storm and wild animal impacts
- Vandalism defense repairs
Medical Payments
Supplements medical expenses regardless of fault, providing fast-processing funds to address immediate diagnostics, co-pays, and rehabilitation bills following a collision.
- Fast diagnostic payouts
- Bypasses standard health deductible
- Covers passenger medical claims
- Complements primary PIP layers
Personal Injury Protection (PIP)
Oregon law requires PIP. This comprehensive benefit layer funds medical care, dental treatment, ambulance transit, essential services, and wage loss replacement for injured occupants.
- Statutory Oregon requirement
- Income loss recovery payout
- Essential domestic service offset
- Covers rehabilitation therapy
Uninsured & Underinsured Motorist
Provides critical financial protection if you are involved in a collision caused by an operator without adequate auto policy limits, or during a hit-and-run incident.
- Protection from uninsured drivers
- Covers excess medical balances
- Hit-and-run claim protection
- Prevents financial exposure
Roadside Assistance
Provides 24/7 emergency roadside support throughout Oregon, addressing flat tires, battery jumpstarts, lockout events, fluid delivery, and local towing requests.
- 24/7 Roadside dispatch
- Emergency local tow services
- Flat tire replacement support
- Fuel and fluid drop delivery
Rental Car Reimbursement
Offsets the direct costs of renting an alternative vehicle while your primary automobile is undergoing covered structural repairs at a certified facility.
- Daily rental budget covers
- Bypasses public transit needs
- Direct repair shop integration
- Minimizes lifestyle disruptions
