Non Owners Auto Insurance Gresham, Oregon OR
Reader’s Question:
I have a driver license and I do not own a vehicle in Gresham, Oregon. Am I required to obtain car insurance if I do not own a vehicle?
Harry
Gresham, OR
If you do not own a vehicle, or have one in your household in which you should be added on the car insurance policy as a driver for, then you do not have to obtain car insurance.
According to the Oregon DMV you are required to show proof of insurance prior to taking a drive test and during the course of certain vehicle-related transactions.
You do have to make sure that when you drive anyone’s vehicle that their car insurance will cover you if you get involved in an accident. If you get involved in an accident and either the person’s automobile you are operating does not have car insurance or their insurance does not cover you to operate the automobile then you can be cited for driving uninsured.
If you do not have a vehicle in Gresham, Oregon but want an car insurance policy to cover you for operating other people’s vehicles you may check about obtaining a non-owner’s policy.
Tags: auto insurance, non owners insurance
Automobile Insurance Question Eugene Oregon OR
Reader’s Question:
My daughter was paying for the car loan in Eugene, Oregon, the vehicle payment is due at the end of each month. Yesterday she was in an accident and totaled the vehicle on the first week of the month. My daughter said that she still needs to make that monthly payment on the vehicle even though the car is totaled. is this correct?
Trance
Eugene, OR
Yes it is possible that another automobile payment will be due to the finance company if the insurance carrier has not yet paid out on the car insurance claim. It seems like the insurance provider will be paying off the remainder of the loan amount however if they do not do so before the next payment is due then the individual whose name is on the car loan could get a black mark on their credit score if the car insurance payment was not made on time.
Once the lien holder in Eugene, Oregon gets the insurance payment that covers the remaining amount of the car loan monthly payments will no longer have to be paid. If what is owed on the automobile is less than the value the insurance carrier is paying for the totaled car there should be money coming to the owner of the vehicle at the end of the settlement.
Tags: auto insurance claims, car insurance
Affordable Automobile Insurance Eugene Oregon OR
Reader’s Question:
We would really appreciate your help. We have three cars and a student driver. Our car insurance rates are through the roof. How do we find affordable car insurance in Eugene Oregon?
Josh
Eugene Ore
Hello Eugene,
Let’s see what we can figure out to help you find affordable car insurance. It seems that you have a couple issues working here. Affordable car insurance is available to families with student drivers and it helps if all the drivers have taken accredited driver safety programs. Most carriers will provide discounts that will make for affordable car insurance rates.
To get the most affordable car insurance rates in Eugene Oregon, you should also combine all three vehicles in one policy. Insurance companies feel multiple coverages reduce their risk in the long run. Another incentive for affordable car insurance is to combine your auto request with a request for your homeowner’s coverage.
Help the insurance company give you their most affordable car insurance rates by installing anti-theft devices in all three vehicles.
Most importantly, you will do well to complete the inquiry request form for affordable car insurance on this page. The finest carriers in the Eugene OR area will respond to this inquiry and you can study their proposals in the privacy of your home. Online applications for affordable car insurance are the most cost effective way to shop. Good luck, Josh.
Tags: auto insurance, cheap auto insurance
