Central Oregon car insurance is something that drivers in towns like Redmond, Madras, Prineville and Bend never think about and that’s why the average driver in this area typically chooses the least amount of car insurance possible because, they don’t think that they will ever need to use their insurance policy but the realty is that most Central Oregon drivers are underinsured and not prepared for a car accident.
Preparing For The Unthinkable
Ohio resident Bill Moats and his family had their lives changed forever in early 2008 when his 18-year-old daughter Nicole, and two of her long time friends were killed in a car crash that was caused by a drunk driver.
The driver of the vehicle only had a car insurance policy that provided $12,500 for each passenger, but this minimum amount of car insurance was ultimately not enough to cover the hospital bill of over $60,000 that Bill Moats and his family received from the hospital, after his daughter’s death.
How Much Car Insurance Do We Really Need?
Although car insurance won’t prevent an accident or tragedy like the loss of Nicole Moats every Oregon driver can learn from this story and choose the month of January 2013 to re-evaluate their car insurance and find out if they have enough car insurance.
Bodily Injury – Central Oregon drivers should have $100,000/$300,000 worth of bodily injury coverage; this means that if a driver is involved in a car accident, every driver will compensated up to $300,000 for the accident and not less than $100,000.
Property Damage – Depending on the age and value of the driver’s vehicle, Oregon Drivers should have at least $50,000 to $100,000 worth of coverage for property damage.
Uninsured Motorist – With this form of car insurance, it also pays to have at least $100,000 worth of coverage because, accidents involving uninsured motorists are still common in the United States and when they occur there’s nothing worse than finding out the other driver, who was at fault, did not have insurance.
To learn more about how much car insurance you should have for your Oregon car or truck, contact Oregon insurance agent Tye Farnsworth today by calling (541) 318-8835.