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101 N Ivy St
Canby, OR 97013

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What Does it Mean If an Auto Insurance Policy Lists an Excluded Driver?

At Oliver Insurance, serving the greater Canby, OR area, one of the types of insurance products that we sell is auto insurance. In addition to selling auto insurance, we also take the time to answer questions that people have about their current auto insurance policy or a policy they are considering purchasing. One of the questions our office frequently gets asked is what it means if an auto insurance policy lists an excluded driver on the policy. Read on to get the answer to this question. 

What Does It Mean If an Auto Insurance Policy Lists an Excluded Driver? 

If your auto insurance policy lists an excluded driver, that driver is excluded from your insurance policy if they operate your vehicle. Ultimately, this means that if that driver is involved in a car crash in your automobile, your insurance policy will not cover the damage done to your car or another car. Excluded drivers must obtain their insurance policy to operate your vehicle.  

Why Would an Auto Insurance Policy List an Excluded Driver? 

Auto insurance companies use public records to determine who may live at your home. Suppose a driver in your home has numerous accidents, speeding tickets, or severe violations, such as reckless driving or a DUI. In that case, the auto insurance company may list them as an excluded driver because they deem them at high risk of being involved in an accident with your vehicle.   

If your current auto insurance policy does not meet your needs or you are in the market for a new policy in the greater Canby, OR area, Oliver Insurance would love to help you. Call us today with any questions you have, or let us provide you with a quote for a new auto insurance policy. 

Don’t Let Money Issues Keep your Pet from Receiving Good Medical Care

Are you a pet owner? Doesn’t your furry friend deserve the best possible care you can give them? Let Oliver Insurance of Canby, OR explain how pet insurance can help defray your pet’s medical treatment cost.

All pet owners should consider insurance for their friend’s medical care. You may believe you have enough money to cover costs if your pet gets injured or sick. If you have multiple dogs or cats, the out-of-pocket expenses add up quickly without insurance.

This insurance policy will cover emergency care, surgery, prescriptions, or cancer treatment. Pet insurance will cover the cost of medicines prescribed by the vet to treat an illness or accident, such as drugs, tablets, or bandages. However, it is unlikely to cover medication that is part of routine treatment, such as deworming tablets.

Also, pet insurance does not cover routine vaccinations, spaying, and neutering. But if your pets’ vaccinations are all up to date, it could result in lower premiums.

Putting money in a savings account and purchasing pet medical insurance is a way to give your dogs and cats the best chance at a happy, healthy life. The savings can be used for wellness care and insurance deductibles. Pet insurance is just like human health insurance. It reimburses you for the costs of treating unexpected illnesses or injuries. But unlike human health insurance, the benefits can be used for any pet clinic.

The maximum limit annually for most pet insurance providers is $10,000. Some will go higher. If you decide to get pet insurance, purchase it when your pet is young and healthy, as most policies will not cover pre-existing conditions.

If you have decided that your pet deserves the best medical care, contact the pet insurance professionals at Oliver Insurance in Canby, OR. You and your best friend will be glad you did.

Should I Buy Collision and Comprehensive Coverage for My Older Motorcycle?

If you’ve got a motorcycle that’s ten years or older, you should consider purchasing comprehensive and collision coverage for it. An older bike has higher chances of causing accidents. There’s also a greater probability of paying a large deductible to repair or replace your bike. For advice in Canby, OR, check with Oliver Insurance. 

Collision and Comprehensive for Older Motorcycle 

To maximize your coverage, purchase collision and comprehensive coverage from the same carrier (or close to it). The closer the two policies are to one another, the more likely you will receive total replacement value if your bike is damaged in an accident. 

In most cases, providing both types of coverage is unnecessary. Collision insurance will cover your bike if it’s in a crash, but comprehensive coverage will protect it if it’s stolen or damaged. It’s up to you whether you believe the value of the peace of mind from having the right amount of insurance outweighs the cost. 

Older bikes have a higher risk of being involved in an accident, be it from a mechanical malfunction or another driver not seeing you on the road. There are more likely to be worth less or stolen. You should purchase comprehensive and collision coverage for your bike and your protection. 

The cost of collision and comprehensive coverage for an older motorcycle is typically higher than that of a newer model. The reason is that the cost to repair or replace a damaged motorcycle is greater as the vehicle ages. Insurers also consider the value of an older motorcycle. If a vehicle costs $2,000, it may not be worth insuring for collision and comprehensive damage. 

Final Words 

Comprehensive coverage protects your bike from liability claims, such as when a customer falls and sues your bike shop. These policies are strongly recommended for all motorcycles but essential for older bikes. That’s why getting collision and comprehensive coverage on your older bike is so important. For questions in Canby, OR, reach out to Oliver Insurance.

What is the Difference Between a Preferred Risk Policy and a Regular Policy?

A preferred risk policy is a type of insurance that gives you higher coverage limits than a standard policy, with the caveat that the coverage may be less comprehensive. 

Preferred risk policies provide higher coverage limits, such as $250,000, but they don’t have the same level of coverage as a traditional policy. For inquiries in Canby, OR, seek advice from Oliver Insurance.

Preferred Risk Versus Regular Policy 

Preferred risk policies are designed to offer more generous coverage at a lower cost than a standard policy. They are usually purchased by a government agency, educational institution, hospital, or large employer. 

Regular policies are purchased by individuals and cover normal risks. Preferred policies come in two flavors: the whole of corporate or split between corporate and personal liability. When purchasing a preferred policy, ensure the provider is licensed to sell this coverage. 

Preferred risk policies are typically more expensive than standard policies. However, if you fall into a preferred risk category, such as being a high-risk driver, you may be eligible for a lower premium Preferred rate. Preferred risk policies typically have a shorter policy term and a maximum limit on how much coverage you can receive. 

Preferred risk policies typically have a waiting period before you can buy another one. Preferred risk policies typically have narrower coverage types and limits on what you can claim. Preferred risk policies typically have a shorter policy term. 

Standard insurance policies protect you in the event of a wide range of risks. They often cover items with a lower value, such as automobiles. Preferred and regular insurance policies are available from most insurance companies. 

Summary 

Preferred policies have shorter periods. Hence, they’ve higher interests than preferred policies. Regular protects you in case of a wide range of risks. It often covers items with a lower value, such as automobiles. For questions, consult Oliver Insurance, a firm serving in Canby, OR.

4 Benefits of Umbrella Insurance

We all know the need to have liability insurance, especially today. Most people have liability coverage in their home, auto, business, or boat insurance. However, these liability coverage limits may not be sufficient to cover costly claims or specific injuries, which may jeopardize your finances. The good news is that there is a solution to this predicament. Umbrella insurance is the real deal. This liability coverage kicks in after depleting your other liability limit. If you buy umbrella insurance from Oliver Insurance, you will benefit in the following ways.

Assets protection

Asset protection is probably the main reason you need umbrella insurance. Individuals and businesses are vulnerable to lawsuits that could cost thousands of dollars. Luckily, purchasing umbrella insurance ensures your assets are safe by paying all the claims.

Additional coverage

Besides kicking in when your other liability coverage depletes, umbrella insurance covers incidences your other policies won’t provide, for example, defamation, wrongful arrest, slander, or libel.

It’s affordable

Umbrella insurance is significantly cheap. You will be amazed at how reasonable the premium is when you receive a quote from your trusted agent. The umbrella insurance comes in when your other liability policies deplete, making it cheap.

Offers peace of mind

The additional coverage offered by umbrella insurance instills the peace of mind we all want in life. That means you are ready to deal with any uncertainty that may come your way, especially from a financial point of view.

Umbrella insurance in Canby, OR 

Don’t allow yourself to live on the edge worrying about the safety of your assets. Umbrella insurance makes sure your assets and your future earnings are safe. Remember, lawsuits can happen to anyone. If you are in Canby, OR, and its environs and are ready to purchase umbrella insurance, please contact Oliver Insurance.

My Car is in Storage. Should I Cancel My Auto Insurance?

There are various reasons why people put their cars in storage. Some may be when they go on an extended vacation or their job takes them overseas for an extended period. You may find it wise to cancel your auto insurance to save money. After all, you won’t be on the road. But is it a smart move? While you may find it a short-term saving scheme, there are setbacks to canceling the policy. It would be best if you instead considered the option of downgrading your policy. In that case, should you cancel your auto insurance when your car is in storage? The answer is NO. Let’s explore why as prepared by Oliver Insurance.

Your car is still vulnerable to risks.

Even if your vehicle is not on the move, it’s still at risk of damage while in storage. Your car, for example, may be damaged by falling objects. Your vehicle is also at risk of theft, fire, vandalism, or flooding while in storage.

 It creates gaps in your coverage.

Canceling your policy when your vehicle is in storage creates gaps in your insurance history. Most insurance companies look at your insurance history, and when they see some gaps, they may rate you as a high-risk driver. When you decide to reinstate your coverage, you may pay more premium.

You may violate your loan agreement.

If your car is on loan and you are still paying it off, your lender may require you to have specific insurance coverage even if you are not driving your vehicle. With this, the option of dropping off the policy is not available.

Auto insurance in Canby, OR

While you can drop your insurance when your car is in storage, think of the cost you would incur if an unfortunate event occurred like theft or damage. It would help if you talked to your agent to see the options available for stored cars. If you live in Canby, OR, and its environs, speak to us at Oliver Insurance for personalized advice.

When is the best time to review your life insurance?

Like many other types of insurance, life insurance is not something that is one and done. It needs to be reviewed at certain points in your life to ensure it provides the amount of protection you need in the next few years. At Oliver Insurance in Canby, OR, our insurance experts have years of experience providing our customers with the personalized service they expect from an independent insurance agency. 

Certain life events trigger the need to review your life insurance. 

Changing employers

This may happen many times over a lifetime, so it is best to be prepared to do it. You may have life insurance as part of a benefits package. Employer-provided life insurance should never be your only life insurance, it should be supplemental. 

Getting married

When you add another person to your life, you need to look at your life insurance coverage to determine whether it is now adequate to provide the protection you require. You also need to change the beneficiary on any policies that you currently have. 

Buying a home

Owning a home comes with many new obligations, including paying off a mortgage if anything should happen to you. You don’t want to leave your loved ones holding the bag because of your decision. Talk to your independent insurance agent about ways to keep your family safe. 

Having children

Children add the most need to your future plans. If you passed away tomorrow, how would your spouse manage, and would your children be able to stay in their current home and enjoy their current lifestyle even though you are no longer with them? You need to consider how long you need to provide support. 

Contact Oliver Insurance in Canby, OR when it is time to review your life insurance.

How do you file a claim on your commercial insurance policy?

Many business claims start with a police report because they center around the crimes of theft, vandalism, or the rarer, embezzlement. Other claims, such as storm damage or equipment breakdowns, start with your insurance company, Oliver Insurance. Read on to learn the steps to follow to file a commercial insurance claim.

  1. Call the police and file a report if you need to file a claim due to any crime at your business.
  2. Call your insurance agent. For anything other than a crime, you can probably completely file your claim the same day the event occurs. For a crime, you need to provide the official police report.
  3. Take photos of the crime scene or claim-worthy event while waiting for the police or your insurance agent. Do not move any items if you report a crime. The police need the scene preserved until they document it.
  4. Begin looking for repair people after your insurer and the police finish with your office or event location. These repair crews can’t come to visit your location until the police release it if a crime occurs.
  5. Contract with a certified public accountant if you file a business interruption claim. A forensic accountant can assist your business in documenting business income loss.
  6. Follow up with the police to obtain a copy of the police report.
  7. Provide the police report to your insurance agent.

Your insurance agent should contact you when the agency has your check ready, or they may directly deposit the claim amount in your checking account.

Your diligence in preparing the claim can mean the difference between a quick claim and significant delays.

Keep your Canby, OR business running smoothly with commercial insurance from Oliver Insurance. Call us today for a custom commercial policy to protect your company.

Top 5 Reasons to Get Pet Insurance

Like most pet owners, you probably consider your furry friend to be a part of the family. And just like with any other member of your family, you want to make sure they’re protected if something happens. That’s where pet insurance comes in.

Here are the top 5 reasons to get pet insurance:

1. Peace of Mind

Perhaps the most important reason to get pet insurance is its peace of mind. With coverage in place, you won’t have to worry about how you’ll come up with the money to pay for unexpected veterinary bills.

2. Protection Against Major Expenses

Veterinary care can be expensive, especially if your pet needs treatment for a serious illness or injury. Pet insurance can help cover major medical expenses, giving you one less thing to worry about.

3. Routine Care Coverage

Many pet insurance plans cover routine care expenses like vaccinations, check-ups, and teeth cleaning. This can save you money on preventive care, which is vital for keeping your pet healthy.

4. Flexible Coverage Plans

There are a variety of pet insurance plans available, so you can choose the coverage that’s right for you and your pet. Some plans even offer the option to customize your coverage to fit your budget.

5. Allows You to Budget for Veterinary Care

You can budget for your veterinary care costs each month when you have pet insurance. This makes it easier to afford your pet’s care and gives you peace of mind knowing that you’re prepared for anything.

Pet Insurance in Canby, OR

Pet insurance is an important way to protect your furry friend. Oliver Insurance offers a variety of pet insurance plans to fit your needs and budget. Contact us today to learn more about our coverage options and get a free quote.

3 Optional auto insurance add-ons in Canby, OR

Like most other states, Oregon requires drivers to carry auto insurance. But Oliver Insurance knows that minimum coverage is rarely enough.

It is illegal to drive without bodily injury and property damage liability in the Beaver State. The state also mandates at least $15,000 in personal injury protection (PIP). Drivers must have uninsured or underinsured motorist insurance too. This adds to your insurance if another driver lacks adequate coverage.

While these requirements extend further than most other states, Oliver Insurance doesn’t want to leave anything to chance. Located in Canby, OR, the agency wants to ensure you have an auto insurance policy that meets your individual needs. Inadequate auto insurance can leave you exposed. 

With this in mind, Oliver Insurance lists three popular auto insurance add-ons to keep you safe on the roadways.

Collision

This boosts your coverage for accidents that result from a collision. This applies to repair costs no matter who is determined to be at fault. While this isn’t a legal requirement, some lenders may request collision insurance before receiving a loan.

Comprehensive

All other forms of physical damage to your vehicle fall into the "comprehensive" category. This insurance includes any non-collision incidents. Examples include theft, vandalism, accidents caused by animals, and weather-related damage. Combined with collision coverage, this package of protections is often referred to as "full coverage."

Medical payments

Medical payments are usually rolled into PIP. However, $15,000 in coverage is low, especially in a major accident. Motorists can choose to increase their personal protection, increasing the policy limit for any needed medical care. Discuss this with your agent.

Contact an agent serving Canby, OR

Oliver Insurance goes beyond simply keeping you legal. Their expert agents prioritize your safety and security through a complete auto insurance policy. Schedule an appointment today.

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