By Shelly Campbell I often get pushback or complaints from my clients if a roommate or other household member shows up in the reports a company orders. My clients will almost always ask, ‘If they don’t drive my car, why do they have to be disclosed and I have to add them to my policy?’ The reason is pretty straightforward, actually. Personal Injury Protection (PIP) is a household-wide coverage. In Oregon, any member of the household can file a PIP claim on the auto insurance of any other member of the household, even if that other person was not involved in the accident.
Read more: Can my roommate use my auto insurance for injuries in an accident in another car?
By Shelly Campbell If you ever decide mid-term (in the middle of your policy) to change the agent that takes care of your policy for any reason, take pity on your new agent. Your new agent is taking you on as a favor; they get nothing monetarily out of it until the renewal of our contract. The outgoing agent received the commission. So, patience or at least understanding on your part can win you some points.
Read more: What Happens if I Want to Keep My Company but Change Agents Before My Policy Ends?
By Shelly Campbell First, congratulations and welcome! There are several things to be aware of when you move to our state and prepare to join us on the road:
Read more: What do I Need to Know About Insurance if I Move to Oregon?
By Shelly Campbell First, give us a call at 503-489-3143. Auto insurance is required, but you can purchase a Non-Owner Policy to obtain your SR22 certificate if you don’t own a vehicle.
By Shelly Campbell Sometimes, your circumstances change, and switching insurance becomes necessary during a policy period. Just yesterday, I helped a new customer buy insurance because they purchased a brand-new car without first checking with their insurance company how much it would cost to add it to their policy. I saved them $600 a year (just like the commercials say) and offered them better coverage than what they had. I don’t suggest you switch insurance companies in the middle of the policy period. From an insurance credit score point of view, it’s better to wait until renewal. This example would be an exception because something changed.
Read more: When is the Best Time to Switch My Insurance Policy?
Monitoring the Pulse of the Insurance Industry.