Auto / Car / Motorcycle

Text about auto insurance in Portland and nearby Vancouver, Beaverton, Gresham, Happy Valley and Hillsboro, Oregon.

Here at Portland Insurance, making sure you’re covered is about more than just repairing or replacing your car. It’s about making sure that nothing gets between you and your normal life. Here are the kinds of car insurance coverage our partners offer, how they protect you, where they apply, and our recommended limits.

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Auto Insurance Coverage

Not all coverages are available in all states.

  • Bodily Injury Protection

    Bodily Injury Protection protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This auto insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.

    The auto insurance coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.

    Determining Your Limits: Liability protects you if you are at fault in an accident. If your car insurance coverage doesn’t carry enough liability, you could be sued for your personal assets: your home, savings, investments, or income. When you’re determining how much car insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.

  • Property Damage Liability

    Property Damage Liability covers you against financial loss if you are found liable for damage to other people’s property (e.g. light poles, fences, another vehicle, etc.) caused by your auto.

    Determining Your Limits: Liability protects you if you are at fault in an accident. If your car insurance coverage doesn’t carry enough liability, you could be sued for your personal assets: your home, savings, investments, or income. When you’re determining how much car insurance coverage is appropriate for you, it’s important to consider all the assets you want to protect.

  • Uninsured Motorist Bodily Injury

    This auto insurance coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.

    Determining Your Limits: Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself—if you’re injured—as you would for others.

    Portland and nearby Vancouver, Beaverton, Gresham, Happy Valley and Hillsboro, Oregon

  • Uninsured Motorist Property Damage

    This car insurance coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.

    Determining Your Limits: Consider a limit of liability that will be sufficient to cover your vehicle and/or its contents in the event that you are in an accident with a hit-and-run driver, a driver with no auto insurance coverage, or a driver who has some coverage, but not enough to cover the damage to your vehicle.

  • Underinsured Motorists

    This car insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.

    Determining Your Limits: Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself—if you’re injured—as you would for others.

  • Personal Injury Protection (No-Fault)

    This auto insurance coverage pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and does not cover damage to a car, or to any other property. Coverage is provided on a per-person, per-occurrence basis.

  • Medical Payments

    This auto insurance coverage pays reasonable and necessary medical expenses, up to the selected limits, directly resulting from an auto accident. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.

  • Collision

    Collision coverage pays for damage to your covered vehicle (up to its actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.

    If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.

    This car insurance coverage is available only if you carry Comprehensive coverage.

    Determining Your Limits: Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

  • Comprehensive

    Comprehensive coverage pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as fire, theft, glass breakage, riot, windstorm and hail.

    If you plan to purchase Comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.

    Comprehensive is often required when your car is financed or leased.

    Determining Your Limits: Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your auto insurance coverage by choosing a higher deductible.

  • Full Glass

    This car insurance coverage pays the amount of a covered glass loss with no deductible. This full glass coverage is optional and can be purchased for an additional premium.

  • Towing & Labor

    This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)

  • Rental Reimbursement
    If your car becomes inoperable due to a covered loss and you need to rent a substitute, this auto insurance coverage pays the cost of the rental car up to your policy limits.

    This coverage is available only if you carry Comprehensive and Collision coverage.