Best Local Car Insurance Agencies in Gresham

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What happens if you do not have auto insurance in Gresham?

  In Gresham, driving a vehicle without insurance is illegal. If a law enforcement officer pulls you over and you are unable to provide proof of insurance, you may be subject to severe penalties, including a minimum $130 fine, the revocation of your vehicle registration, and the suspension of your driver's license.

• In the event of an accident, will purchasing the minimum required auto insurance in Gresham cover other passengers in the vehicle?

  No, just getting the minimum car insurance in Gresham won't pay for the medical bills of the people in the car if there is an accident. If you want to protect your passengers from the unexpected, you can choose to buy extra medical payment coverage from the insurance firm of choice.

• Does Gresham follow the no-fault doctrine when determining financial responsibility in a car accident?

  No, Gresham is located in Oregon, a state that adheres to the traditional fault-based system in the event of an accident. This simply means that when it comes to determining financial responsibility for losses in an accident, the insurance provider of the party at fault must pay for all damages.

• Why do you need personal injury protection (PIP) coverage if Gresham uses a traditional fault-based system?

  Even though Gresham follows a traditional fault-based system, you still have to obtain personal injury protection coverage because it is mandated by Oregon law. The minimum threshold for PIP in the state is $15,000. This amount will help cover the expenses involved in treating the driver’s injuries if an accident occurs.

• Are auto insurance companies in Gresham allowed to cancel your policy?

  Yes, car insurance companies in Gresham can cancel your policy at any time. Non-payment is the most common reason for metro policy cancellations. However, insurance companies have been known to cancel policies due to the driver's poor driving record, poor credit, and frequent claims. The policyholder will be notified of the cancellation within 10 to 30 days, depending on the reason.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.