guy taking photos outside of his car while on a road trip

GET PEACE OF MIND.
EXPLORE.

Whether your sedan simply gets you from Point A to Point B or your rugged SUV is your vessel to exploring the great outdoors, many of us rely on our automobiles in our everyday lives. That is why it is important to let Joan help you get the right coverage to protect you and your vehicle. Get covered and cruise through life in your sports car, worry-free. 

COVERAGE MANUAL

LIABILITY INSURANCE

Liability coverage pays for damage or injury that you caused to another person or property with your vehicle. Liability insurance is required in the state of Oregon. In an at-fault accident, liability coverage helps pay for costs of injuries and property damage suffered by others.

What is included in liability insurance?

Bodily injury coverage helps pay for medical expenses of the other individuals involved. 

Property damage coverage helps pay for repairs to someone else’s vehicle. 

What other coverage and protection is required in Oregon?

lf you or a passenger is injured in an auto accident, PIP helps pay for medical and hospital bills. After an accident, PIP may also help cover essential services, lost income and insurance deductibles. Oregon does have a state minimum for PIP coverage, so please talk to Joan for a more detailed discussion of how PIP works and minimum coverage amounts.
Uninsured / underinsured motorist coverage pays for bodily injury and property damage you suffer in an accident where another driver who does not have enough coverage (or uninsured completely) is at fault. Hit-and-run accidents can also be covered. The amount of coverage in these cases in set at the time you purchase your policy. Oregon has a state minimum, so please talk to Joan to make sure you’re properly covered.

COLLISION COVERAGE

Regardless of who is at fault in an accident, collision coverage pays for damages and repairs caused to your vehicle less any deductible. Collision coverage and deductible amounts vary depending on your policy.

You are usually required by law to carry collision coverage if you are buying or leasing a vehicle. If you fully own your car, collision coverage is optional.

lf you own your car and get into an accident hitting another object (pole, tree, debris, etc.), without collision coverage, you would have to pay for the repairs to your vehicle out-of-pocket. You might want to consider collision coverage if you don’t have the emergency funds to cover damage to your car in these types of situations.

COMPREHENSIVE COVERAGE

Also known as “other than collision“, comprehensive coverage pays for your vehicle if damage is caused by something other than a collision. For example:
  • Weather
  • Natural Disasters
  • Falling Objects
  • Theft or Vandalism

Your lender may require you to have comprehensive insurance if you are buying or leasing a vehicle. Whereas, if you own your car outright, comprehensive coverage is optional. 

Do you have the money to pay for your car if it is stolen? Or to pay for repairs if your vehicle is damaged due to vandalism or a fallen tree? If not, comprehensive coverage is a great way to have peace of mind to help you cover costs in these unfortunate situations not under your control. 

Comprehensive coverage will only cover theft to your actual vehicle or damage due to the break-in, but personal items stolen from your vehicle will have to be covered under your homeowners insurance.

CLASSIC CAR INSURANCE

If you have restored and own a classic car, traditional auto insurance will not take into account the enhanced value of your gem, so you will need to get a classic car policy to protect your prized vehicle. 

With conventional insurance, it will typically only cover up to the actual cash value minus depreciation. Unlike our everyday cars which lose value over time, classic cars that are well taken care gain value over time. With classic car insurance, you can cover your vehicle with an agreed upon valuation. Make an appointment with Joan to go over different coverage options for your collectible. 

 

OPTIONAL ADD-ONS

Below are examples of common add-ons. Please call or stop by the office to learn more about other additional options that you can add to your auto policy based on your unique needs. 

ROADSIDE ASSISTANCE

Many insurance companies offer roadside assistance for an additional premium. These provide services like towing, tire repair or helping with a dead battery.

CAR RENTAL REIMBURSEMENTS

If your vehicle is in the shop for repairs due to an accident, rental reimbursement is an optional coverage for an additional premium.

LIMITS OF LIABILITY

Limit of liability is the maximum amount that an insurer is obligated to pay for covered loss. Within a policy, there are often different limits of liability for different types of coverage. When you purchase any insurance policy, you can select a deductible amount as well as the limit of liability and coverage. 

The above information is for informational purposes only. Please contact Mt. Hood Insurance Agency to understand what is included and covered in your specific policy. Make an appointment with us to find the right coverage to properly fit your budget and lifestyle. 

EXPLORE COVERAGE OPTIONS

Please fill out the form below and we will contact you to go over the best options to fit your budget and needs. 

Please provide us with more information and to assist us in helping you find the right coverage for your needs.