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Understanding Car Different Insurance Types in Portland, OR

Understanding Different Types of Car Insurance in Portland, OR

Liability Insurance

Required by law in most states, liability insurance covers damages for injury or property damage that you are legally responsible for as a result of an auto accident.

Collision Insurance

Collision insurance covers damage to your vehicle in the event of a covered accident involving a collision with another vehicle or stationary objects.

Comprehensive Insurance

Comprehensive insurance provides protection for your vehicle if it is damaged by events that are not a collision, such as fire, theft, vandalism, or contact with animals.

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Uninsured and Underinsured Motorist Insurance

This type of coverage protects you if you're involved in an accident with an at-fault driver who doesn't carry liability insurance or whose liability limits are too low to cover the damage or medical expenses. Remember, not everyone in Portland, OR carries adequate car insurance. Nick Watson Agency is here to help, just give us a call at 503-658-7200.

Personal Injury Protection (PIP)

Personal Injury Protection, also known as "no-fault" insurance, is required in some states. It covers you, the insured, for injuries, regardless of who caused the accident. This can include medical expenses, loss of income, and more.

Typical Claims Covered by Car Insurance

Insurance claims vary depending on the type of coverage you have, but here are some typical claims that can be covered:

  • Medical bills resulting from an accident.
  • Vehicle repairs or replacement due to collision, theft, or other covered losses.
  • Expenses to others for property damage or bodily injuries if you're at fault.
  • Legal costs if you're sued after an accident.

Choosing the Right Coverage

Choosing the right coverage depends on understanding your specific needs and budget. Nick Watson Agency is committed to helping you make an informed decision about your car insurance coverage. Don't hesitate to reach out to us at 503-658-7200 or use our online quote request form.

Explore Different Types of Car Insurance

While we've touched on the broad aspects of car insurance, it's important to delve deeper and understand the specific types of car insurance that can better cater to your needs. We've created an extensive guide that explores Different Types Of Car Insurance available in Portland, OR. This guide includes details on Liability Insurance, Collision Insurance, Comprehensive Insurance, Uninsured and Underinsured Motorist Insurance, and Personal Injury Protection. Also, learn about the typical claims that can be covered by these insurances. We encourage you to check it out!

Interested in learning more about what influences the cost of these different types of coverage? Discover the factors that determine car insurance rates here.

Each type of car insurance coverage interacts differently with the claims process. To better understand how filing a claim can vary based on your coverage type, read our detailed guide on Car Insurance Claims.