Automobile Insurance Cancellation Gresham Oregon OR
Reader’s Question:
I live in Gresham, Oregon and I just found out that my auto insurance was cancelled about a month ago. I called my car insurance company that I had not received any notification of owing anything left on my insurance and I did not receive any notification of the policy canceling. They said that they sent out notification, however I received nothing. They said that they can start my insurance premium again but they are offering an amount twice to what I was paying. There is such a thing as notification law, right?
Reed
Gresham, OR
Yes, in Oregon there are notification laws.
The Oregon Insurance Division states that your insurance carrier must send you notice at least ten days in advance of canceling your car insurance policy for nonpayment. If your insurance policy has been “non-renewed” or canceled for a reason other than nonpayment, the insurance companies must provide you at least thirty days’ advance notice. An explanation of the reasons for the termination or non-renewal must be part of or accompany the notice.
Auto insurance carriers must be able to prove notice was sent but not that you received it, under Oregon law. It is your responsibility to inform your insurance carrier if your address has been change and to keep track of your auto insurance premium payments.
So in Gresham Oregon if you do not pay your car insurance premiums, an insurance carrier can cancel your personal car insurance policy by giving ten days’ written notice. The insurer is required to give you thirty days’ written notice if it is canceling your insurance policy for any other reason.
Because of a large difference now in your car insurance rates with your current insurance carrier you should shop around to find lower car insurance rates. Auto insurance prices differ widely from one insurance company to another so comparison shop and check if you can find reasonable insurance rates even with this cancellation on your record.
Tags: auto insurance, car insurance cost, car insurance quotes, car insurance rate
Non Owners Car Insurance Hillsboro Oregon OR
Reader’s Question:
If I do not own a vehicle but I do have an Oregon license does the State of Oregon require that I carry auto insurance Hillsboro?
Maria
Hillsboro, OR
If you do not own a vehicle, or have one in your household in which you should be on the car insurance policy as a driver for, then normally just because you have a driver’s license in Oregon you do not have to carry car insurance.
According to the Oregon DMV, the Driver and Motor Vehicle Services Division – a branch of the Oregon Department of Transportation, one is required to provide proof of insurance prior to taking a drive test and during the course of certain car-related transactions. .
The state of Oregon has a mandatory insurance law (ORS 806.010) which requires that every motorist insure their cars. The basic minimum liability insurance a driver must have is:
- Bodily Injury and Property Damage Liability of 25,000 per person / $50,000 per accident for injury to others and $10,000 per crash for damage to the property of others.
- Personal Injury Protection of $15,000 per person.
- Uninsured Motorist Coverage of $25,000 per person up to $50,000 per occurrence for bodily injury.
If you do not have a vehicle in which to place auto insurance but want a car insurance policy to cover you for driving other people’s vehicles (as secondary insurance to the car owner’s primary insurance) you should consider obtaining a non-owner’s policy in Hillsboro, OR.
Tags: auto insurance, non owners insurance
Non Owners Insurance Policy Beaverton Oregon OR
Reader’s Question:
I do not own a vehicle but I do have a drivers license in Beaverton, OR. I am just wondering if I am required to carry some sort of insurance even though I do not own a car?
Bradley
Beaverton, OR
If you do not own a vehicle or have one in your household in which you should be on the car insurance policy as a motorist for, then normally just because you have a driver’s license in Beaverton Oregon you do not have to carry car insurance.
Although you do not need auto insurance on yourself just to have an Oregon driver’s license you do need to be sure when you operate anyone’s vehicle that their insurance will cover you if you are in a crash. If you get involved in an accident and either the person’s vehicle you are driving is uninsured or their car insurance does not cover you to operate the car than you can be cited for driving uninsured.
If you do not own a vehicle in which to put insurance on but want a car insurance policy to cover you for driving other people’s vehicles you should check about obtaining a non-owner’s policy.