A Non-owner Auto Insurance Policy in Oregon is a contract that provides secondary coverage for Bodily Injury, Property Damage, and Uninsured Motorist Bodily Injury Liability in the event of an accident, the same as a regular auto policy. It also provides Personal Injury Protection (PIP) for the named insured only and secondarily to the policy covering the non-owned vehicle you drive. There is no coverage available for Uninsured Motorist Property Damage, Comprehensive, or Collision coverages, as these would only be available for an owned automobile.

With the long-term economic crisis this country is experiencing, many insurance companies are seeing a growth in the number and severity of claims. The result of this rise in losses, combined with the increasing cost of paying the insurance companies’ business costs, is an increase in the overall insurance rates for everyone.

“I went to court, and the judge threw out my ticket!”

What happens in Oregon when you go to driving court, and the judge throws the ticket out? In straightforward terms, the violation will not be removed from your driving record. It will still be there. The judge might lower the fine, but they rarely remove it from your driving record. If you think the ticket should not appear on your DMV report, request a document from the court proving they dismissed the ticket before you leave the courthouse. If the court doesn’t notify the DMV of the dismissal, you must prove it was ‘thrown out’ and request that the DMV correct your record.

Believe it or not, I remember when cell phones didn’t exist. When we first started using cell phones, they were enormous. Everyone drove with a brick secured between the ear and shoulder, using only the earpiece's speaker. It was just like holding an old telephone receiver wedged against the head. No one saw any problem with that. No wonder the chiropractic business has flourished as it has. Oh, how things have changed. Or have they? I still see people trying to hold a thin smartphone against their ears with their shoulders. Sigh.