Young Driver Insurance Gresham Oregon OR
Reader’s Question:
I am only 19 and I have a provisional permit. My question is: Can I operate a vehicle without any adult supervision in Gresham, Oregon?
Mark
Gresham, OR
In most states if your are 18 or over and have a learner’s or provisional permit the restrictions are less than if you are under eighteen. For instance, in Maryland upon becoming eighteen a provisional license holder is no longer bound by time restrictions and may operate a vehicle at any hour.
In Gresham Oregon provisional licensed or permitted motorists have restrictions on them, including being required to be accompanied by a licensed motorist who is at least twenty five years old. But the restrictions only apply until you are eighteen or you have had your provisional license for a year; whichever comes first.
Verify with the Department of Motor Vehicle before driving without supervision in case your state still requires you to have an older licensed driver with you during this phase of the graduated licensing process.
Tags: auto insurance, New Driver Insurance, teen insurance, Young driver car insurance
Physical Damage Coverage Medford Oregon OR
Reader’s Question:
Should I have comprehensive and collision coverage on my 1992 Lexus SC300. Its costing me too much per month just for these coverages, on top of 2 other cars I own. For a vehicle this old I don’t see the benefit.
John
Medford, OR
Last week, my grandfather asked me the same question about his 2002 Buick LeSabre. He was frustrated that his two vehicles cost him around $1000 per year and he wanted to trim what he thought was un-needed coverage. Last year we had the same conversation and he removed the comprehensive and collision coverage from their 1989 Jeep Cherokee.
I really suggest that you keep the most coverage that you can afford. Now that may sound like a car salesman trying to sell you the most expensive vehicle in the lot, but it is true and simple.
You should research your vehicle’s values and see if the value of each vehicle is worth losing these two major benefits of physical damage coverage.
Tags: auto insurance, automobile
Auto Insurance Northwest Clackamas Oregon OR
Reader’s Question:
My Chevy is now running faster and better with its new engine. I spent a fortune on this upgrade, should I worry about my auto insurance in Northwest Clackamas, Oregon?
Anne
Northwest Clackamas, Oregon
The rule of thumb for auto insurance policy owners: whenever in doubt, read your policy. As most insurance companies are infamous for their tricky wording, exclusions, and conditions, so it will be your responsibility to read your policy carefully.
You also need to find out immediately if they’re covered by viewing your insurance policy in Northwest Clackamas, Oregon.
An important point to remember is that even a new paint job can affect your insurance policy. You will have trouble getting reimbursed for aesthetic changes unless it is clearly in your policy.
So what if you have any trouble understanding your own insurance policy? You can quickly phone in your questions to your auto insurance agent and get the official word. If it’s regarding a major part of your insurance plan, get it in writing too so that everything is helped by a good documentation.
In most states, including Oregon OR, there are three basic types of car insurance available for you. Actual value insures the vehicle for its value at the time of the claim, agreed value lets the driver insure the car for more than its value, and stated value, which also lets the driver insure the car for than its value, less depreciation, which makes your modification reports essential.
Tags: auto insurance, car insurance, auto insurance upgrade
Teen Auto Insurance Salem Oregon OR
Reader’s Question:
My husband and I own two cars that are being used by our two teen children. Do we need to insure both kids if each of them is already assigned to each car at a rate much higher than we’re previously paying? Is it legally necessary for us to insure them even if they don’t have their own cars yet?
Melinda
Salem, OR
Adding all licensed drivers in your household to your auto insurance policy is usually a requirement of most insurance companies and is NOT a state law. You have the option to exclude other drivers in your household from your policy but if that person did drive your car, even in an emergency situation, coverages would not be extended to them. Be sure to let your Salem, OR insurance agent know about your situation.
The reason for this requirement is that in rating of an auto insurance policy, an insurer consider all resident operators of an insured vehicle, including your children, as risk factors that can affect your rates.
Due to the fact that teen-age drivers are inexperienced and more likely to get involved in accidents, insurance rates are high. However, as they gain experience and mature as drivers, your children’s rates should go down. You can ask your insurance company if discounts are available to help balance out the higher rate from insuring your children on your policy. In OR, a good student discount may be available through your insurer for children under the age of 25 who have good grades in school.
If your teen-age children do not have their own cars yet, the OR Division of Insurance notes that you have to make sure your insurer understands which cars they will be driving and whether it will be occasional or principal use.
Tags: car insurance quotes, car insurance rate, teen insurance
Non Owners Insurance Oregon OR
Reader’s Question:
Can I purchase insurance to cover any car that I might use in Oregon?
Marit
Beaverton, OR
When you purchase car insurance to cover your car it may also over you when you drive other cars, depending upon state laws and the terms of your car insurance policy.
Your insurance will normally provide you with coverage for liability and any optional coverages you put on your car when you are driving your vehicle. Most insurance policies will also extend this coverage to rental company cars as well, but again it varies according to the terms of your auto insurance policy.
If you do not own a vehicle but want a car insurance policy for yourself and to follow you no matter what vehicle you drive then you could get a non-owners policy. This non owners policy generally would cover you for a rental vehicle and it would be secondary or excess if you were driving your friend’s car.
Oregon Motorcycle Insurance
Reader’s Question:
If I purchase a motorcycle and have a lease out on it, do I need full coverage car insurance on it? I live in Oregon.
John
Beaverton, OR
I think when you said “full coverage” you are referring to “fully covering the motorcycle itself.” If that is what you meant, you are talking about collision and comprehensive coverages.
If you do not have the title to the motorcycle, I think your lease company will require you to carry these two coverages to protect their motorcycle. Plus, since it is leased (and not just financed) your lease company may require you to carry higher limits of additional coverages like property damage liability and bodily injury liability. Please verify with your leasing company to check this.
Car Insurance Policy Oregon OR
Reader’s Question:
I have recently received my 1st speeding ticket in Oregon. My parents are going to add me on their insurance policy next week and I was wondering if this speeding ticket will be disclosed to them upon the insurance provider reviewing of my driving record.
Frances
Beaverton, OR
If you have plead guilty by paying the fine on the speeding ticket in Oregon then the infraction for the violation will be put on your driving record at this point in almost all states. If insurance points are to be evaluated to your drivers license they would also be done so at this point in time. You can verify with your state’s Department of Motor Vehicles (DMV) to find out the number of points or if your state assigns points for traffic infractions.
When your parents notify their insurance provider in Oregon that you are licensed and want to put you on their auto insurance, the insurance company will usually pull your motor vehicle record (MVR) and therefore see the speeding violation. If the speeding ticket is not yet on your driving history but there is an application for auto insurance that requests information on your driving history such as if you have any tickets you would need to disclose or list this ticket.
Depending upon the insurance providers rating system this may affect the insurance rates you receive and your parent’s total insurance premium. Your parents should be able to know about their insurance company’s rating system for traffic violations by asking their agent.
Auto Insurance Oregon
Reader’s Question:
I would like to know if Oregon have an alcohol exclusion law?
Karen
Eugene, OR
Alcohol exclusions within insurance policies allow insurance companies to deny coverage to those injured while under the influence of alcohol. Exclusions can be used to deny payment to medical payments to hospitals and doctors. Some states laws is requiring proof only of alcohol use prior to injury and others being more require proof of a causal relationship between the injury and the use of alcohol.
From my understanding Oregon now prohibits insurance companies from using alcohol exclusions. Since legislature and court rulings vary by state, to check the exact status on alcohol exclusion and what the recent changes made to the Oregon Statutes lets say specifically regarding this concern, check with the Oregon Insurance Division. You may be able to research the issue by going through the Oregon Legislature site.
Auto Insurance SR22 Oregon
Reader’s Question:
Under what situation is an SR22 required by the Department of Motor Vehicles in my state in Oregon? Is an SR-22 only required for a DUI/DWI conviction?
Amanda
Portland, OR
The reasons that an SR-22 may be required are different in various state laws and statutes. The SR-22 in many states is required to reinstate your driver’s license after a DUI or DWI conviction but also for several other reasons.
For example in your state in Oregon the Department of Motor Vehicles requires that your insurance providers file an SR-22 certificate with DMV if (not a complete list):
* You failed to show proof to DMV that you have liability insurance,
* You have been charged of driving without auto insurance,
* You have been involved in an accident and uninsured,
* You are applying for a probationary or hardship permit
* At the time of reinstating your driver’s license following a DUII suspension
Oregon OR car insurance rate
Reader’s Question:
Im am licensed in FL but Im planning to go to school in OR. Can I get my insurance in Oregon and will not change the registration address of my vehicle?
Linda
Thank you for asking Linda.
You will need to provide the insurance provider your new mailing address and the principal address where your motor vehicle will be garaged. you may then need to get new insurance in that state with another insurance provider If your insurance company does not operate in the state where you will be attending college, .
State laws and regulations differ but normally you are able to get insurance for your motor vehicle, while you stay out of state as a full time student without changing your registration in Florida or driver’s license to Oregon issued registration or license.
You may contact the OR Department of Motor Vehicles if you do need to change your registration or license to Oregon issued ones.
Goodluck!
MariCAR