Adding a car to your policy is easy. If you have just purchased a vehicle, you can email, fax, or text us the title signed off to you, along with a bill of sale or the purchase order from the dealership. The title from the previous owner must be signed and dated in ink. That starts the 30-day clock ticking to get the vehicle registered in your name. If you want "full coverage" (meaning you want to include comprehensive and collision), photos of the car may be required if consumer reports reveal that it has been involved in an accident. Some insurance companies in Oregon require photos even to get Uninsured Motorist Property Damage coverage. That's the coverage where your vehicle is covered if it's not your fault, and the other guy doesn't have insurance, or you don't know who hit you.

Underwriting Standards

Underwriting standards are the rules insurance companies use to decide whether to insure you and for how much. They are expected to apply these rules equally without illegal or unfair discrimination. Insurance companies typically use legal discrimination as they determine whether to insure you:

Oregon’s mandatory insurance law, ORS 806.010, requires every driver to have insurance on their registered vehicle for the following coverages:

The minimum liability insurance a driver must have is Bodily Injury Liability $25,000 per person, $50,000 per accident,

Auto insurance companies in Oregon can now reduce the amount the insurance company will pay for an accident that involves a driver not listed on your policy.  Yes, suppose the person driving your car lives with you or doesn’t, but regularly uses your vehicle, and they have an accident. In that case, the insurance company can pay only the state minimum benefits.  That’s a maximum of $25,000 per person to $50,000 per accident (shared).  It doesn’t take much to spend $25,000 - just a trip in an ambulance to an emergency room with some blood work and an MRI exceeds that.