Car Insurance Portland, Oregon
Auto insurance protects you against financial loss if you have an accident. At Schmidt Insurance Group in Lake Oswego, Oregon, we help our clients find the right amount of coverage to fit their needs and their budgets for car insurance in Portland, Oregon. Our knowledgeable agents know their Schmidt and will make sure you walk away feeling 100% protected!
Schmidt Insurance Group opened its doors in 2019 with a goal of making insurance easy while providing exceptional customer service. We proudly serve the local Portland area as well as the states of Oregon and Washington. Our office is full of born-and-raised Oregonians!
In the state of Oregon, you are required to have a minimum liability coverage of $25,000 per person and $50,000 per incident. In many cases, this is not enough protection. We can customize a solution for you with flexible options that fit your lifestyle and help you stay protected. With our competitive rates and outstanding coverage, you’ll be free to cruise with confidence!
Car Insurance Can be Confusing. You are not Alone!
Many people throw their hands up in the air when it comes to dealing with car insurance and the multitude of companies always proclaiming they have the best deals. Unfortunately, without a proper understanding of auto insurance you could make a poorly advised decision. Let our experts explain some key aspects that may help you make a truly informed decision. Here are the things you really need to understand as far as insurance coverage goes:
- Bodily Injury Liability: This is arguably the most important coverage to have. It applies to injuries that you or family members listed on your policy cause to someone else and will protect your personal assets (such as homes and savings) from lawsuits that can happen after an accident.
- Property Damage Liability: This coverage pays for damage that you (or someone driving your car with permission) accidentally cause to someone else’s property. Usually, it means damage to someone else’s vehicle, but it also includes damage to fences, telephone poles, lamp posts, buildings, and other structures hit in an accident.
- Collision: This coverage pays for damage to your car that occurs as a result of a collision with another vehicle or object, such as a tree or guardrail, when you are at fault.
- Comprehensive: This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, flood, hail, falling rocks or trees, vandalism, and even getting hit by an asteroid!
- Personal Injury Protection (PIP): This coverage provides reimbursement for medical expenses for injuries to you or your passengers. It will also cover lost wages and other related expenses.
- Uninsured and Underinsured Motorist (UM/UIM): This coverage protects you if the at-fault party in your accident doesn’t have insurance or has insufficient insurance to pay for your damage, medical expenses, and loss of income. Not only does it protect you, but also your family members and other people who are riding in your car.
Your insurance policy is a legal contract. It identifies the conditions under which you can be paid for a claim. You are responsible for the accuracy of this document. Before you sign it, review it to be sure it reflects the coverage you purchased. If you have any questions at all, don’t be afraid to ask the agent or the insurance company.
When you need car insurance in Portland, Oregon, get in touch with Schmidt Insurance Group. We will help you find the right amount of coverage to fit your needs and your budget. Call us today at (503) 506-4554 to explore the affordable options.
