How are you Protected from Uninsured Drivers?

It’s one of those unwritten rules of driving–the first time you get into a really bad accident, the driver who causes it will be uninsured. It’s surprising that there are so many uninsured drivers on the road, since most states have some sort of mandatory insurance laws, usually with stiff penalties for uninsured drivers. Still, there are a lot of people driving without insurance and it’s important to learn how to keep yourself protected from them.

In terms of damage to your vehicle, the best way to protect yourself from uninsured drivers is to have collision insurance. Collision coverage will cover the cost of repairs to your car after an accident, regardless of who is at fault or whether or not they have insurance. Collision insurance even keeps your car protected in the event of a hit and run accident or if you cause the accident yourself.

Car damage from an uninsured motorist can be frustrating and expensive, but physical injury to yourself or someone in your car can be catastrophic. The best way to protect yourself and your passengers from the medical costs and other expenses associated with an accident caused by a driver without insurance is to have uninsured motorist insurance. This coverage is specifically designed to pay for your medical expenses when the person who caused the accident that hurt you was not insured. Another good coverage to have is underinsured motorist insurance, since just because someone has insurance, it doesn’t necessarily mean that they will have enough coverage to pay for all of your costs.

It is important to note that in a "no-fault" insurance state, personal injury protection (PIP) insurance is an effective type of policy to have for paying for injury expenses that stem from an accident caused by an uninsured driver. Since fault is not assigned to a driver in a no-fault state, each person involved in the accident is basically responsible for their own injury expenses, either paying them out of pocket or with PIP insurance.

Uninsured drivers are a hazard on the road, just like potholes, wet pavement or drunk drivers, and a smart driver would be wise to learn how to prepare for them. With the right combination of collision, uninsured motorist and/or PIP insurance coverage, a driver can make sure that they are protected from at least the financial damage that uninsured motorists can cause.

Lapse in Your Oregon Car Insurance Policy

Lapse in Your Oregon Car Insurance PolicyMost Americans, in an attempt to hold onto savings they cut down on their daily expenses. An inclusion of even car insurance premium into the block list, affects you. If you are not owning a car insurance, it simply means you are going uninsured. This does cause trouble to the other person involved in any accident with you as he will have to turn to uninsured motorist coverage under his own policy. Do not try and save on that little money.

Lapse in Coverage and It’s Penalties

If there is any lapse in coverage then it will easily trigger penalties. This is often expensive and becomes difficult for you to obtain a policy in future. Unfortunately, it so happens that drivers who are uninsured tend to often meet with accidents. Such instances, with no insurance or a gap in coverage easily burns your pocket. You will be labeled as risky by the insurance companies and will end up paying heavy fines when you decide to get insured again.

Be it any state, driving without an insurance is illegal. With high number of uninsured drivers, Oregon state has rolled out stringent measures for those who fail to get covered and heavy fines for lapse in their coverage. Any driver can be easily held by the cops by just running down on the number plate of the vehicle and be punished severely for lapse or failure to hold a policy.

Financial Hardship and Insurance

There are drivers who cannot afford insurance due to unemployment, without work permit or even relying on other members for commuting. With small paychecks they are unable to pay premiums and obtain a car insurance policy. In such situations, talk to your agent or the insurance company and tell them about your financial condition. They would raise your deductible on comprehensive or collision coverages, cut down on policy rates to reach required state minimum liability and reduce your premium rate. You will also be given an option to pay premium only for the miles driven, framing an affordable insurance rate.