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Why you need auto insurance:
One day, a young lady was traveling down a popular Hermiston road when she suddenly came upon a car stalled in the roadway. She applied her brakes as quickly as she could, but was not able to stop before hitting the back of the stalled car. Not only was she responsible for paying for the damages of her own vehicle, but she also had to cover the cost of the vehicle that she hit.
In another incident, an anxious teen is late for his date with the girl from his homeroom class that finally accepted his offer. About five miles from her house, he comes upon a car that is traveling slightly below the posted speed limit. Excited about the date he decided to go around the car in the next passing zone. Unfortunately, he does not see the car pulling out and making a right hand turn on the approaching side road.
After a strong wind storm, a working mom is headed out the door to work. Apparently, the storm on the previous night was strong enough to knock down a huge limb from a nearby oak tree. The limb now rests atop the hood of the woman's vehicle. In addition to the large dent in the car, there are an abundance of scratches as well.
These are only a few incidents where people were fortunate enough to have the protection of quality Car Insurance. Each of these situations required a great deal of money in damages, injuries and repairs. Without the right insurance policy effectively in place, each of these people would have had to pay out of pocket.
Automobile Insurance: An Investment In Your Future
A large portion of the population in the state of Oregon reside near the Willamette Valley, which includes the capital city of Salem as well as the largest city of Portland. Regardless of where you call home, you will need to save money on your policy.
All that this entails is finding the right agent who will evaluate your situation in order to provide the best possible coverage to meet your needs. An agent at Ferranti-Graybeal Insurance Agency, Inc. will take the time to help you compare Auto Insurance policies and choose the policy options that are right for you.
In general, the Car Insurance rates for Hermiston and the rest of the state are actually quite low. Your agent will be able to help you start planning your insurance budget to give you an idea of the amount that you will be spending on your premium.
There are certain types of Automobile Insurance that you are required to carry in order to operate a vehicle in Oregon, which includes:
- Liability coverage for bodily injury
- Liability coverage for property damage
- Personal injury protection, also referred to often as PIP
- Uninsured motorist insurance
- Underinsured motorist insurance
- Minimum liability limits of 25/50/20, which provide coverage up to $50,000 for everyone who is injured in an automobile accident, a limit of $25,000 will be paid for an individual and $20,000 is the maximum amount that will be paid for property damage
The residents of Oregon are required to purchase a somewhat wide range of automobile liability insurance. If you do not comply with such regulations, you could end up losing your driver's license or vehicle registration.
Even though the penalties in Oregon for uninsured motorists is mild by comparison with some other states. The average percentage of uninsured motorists remains low. Even still, you are required to carry both uninsured and underinsured motorist coverage by state law. This type of coverage does not let the driver who is at fault in an accident off the hook. However, with this type of Auto Insurance coverage you will be compensated for the damages that they cause.
The rate of car theft in Oregon is close to the national rate, so you will want to consider the fact that you could become a victim of auto theft. With a comprehensive Car Insurance policy, you will be protected against the major financial loss that comes with having your car stolen.
Ferranti-Graybeal Insurance Agency, Inc: Your Local Insurance Professionals
Over the past few years, there has been a decrease in automobile related fatalities in the state of Oregon. However, in spite of this decline in deaths, serious accidents still cost residents millions of dollars in the form of medical expenses and lost wages. Personal injury protection, or PIP, is a state requirement that will help the victims of severe accidents recover some of the finances that they lose following such an accident.
At Ferranti-Graybeal Insurance Agency, Inc., you have the advantage of dealing with an insurance agent who lives in the region and understands the risks that auto owners face every day on the roads of Hermiston. The peace of mind that you get knowing that you have the right Automobile Insurance policy in place is well worth the cost of your insurance premium. So, click on the quote request button now for more information.