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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. 

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.

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.

Protect your OR vehicle with a comprehensive policy

Do you live in the greater Canby, OR area? If that is the case, then you can rely on Oliver Insurance for all of your vehicle insurance needs. Our team is here to help our clients secure the insurance policies that best meet their needs. Give us a call today and find out more!

Protecting your vehicle

There are a number of different reasons to upgrade your vehicle insurance to a comprehensive policy. The main one is convenience. If you are ever involved in an accident or another mishap, you will want to have the situation rectified as quickly as possible.

Transportation is often a requirement for a full and successful life. When your car is in the shop it can be a major disruption to your everyday routine. When you have a robust vehicle insurance policy in place, you may receive reimbursement for the cost of a rental car while your vehicle is being repaired.

Why not take the time now to review your options? With all of the policy types that are available, you may be missing out on some wonderful features that could be of great benefit to you. There’s no time like the present to sit down with your local agent and find out how you can protect your vehicle with a comprehensive policy. 

Vehicle insurance isn’t just about collision and liability coverage, there are now a lot of other benefits to enjoy!

We look forward to working with you!

The entire team here at Oliver Insurance is proud to serve the insurance needs of our Canby, OR area neighbors. Our local team is here to help you find the insurance that can protect your vehicle. Give our office a call or stop by today to find out more!

What to Do After an Auto Accident

Being in a car accident is stressful, but remaining calm and focused is imperative. Directly after the accident occurs, check yourself for injuries before moving to any passengers in your vehicles. If another vehicle is involved, only extricate yourself from your car once it is safely moved out of the road – if possible – and then check on the individuals in the other vehicle. If you are in doubt as to whether you or someone else is injured, err on the side of caution by calling 911 and requesting medical attention. Additionally, even if the accident is minor, contact the police to request assistance. Having a police report will be invaluable for the insurance claim process and for any further adjudication if needed.

Once you’ve established that all parties are uninjured, start gathering information from those that are involved. Information to collect includes:

  • Photocopies of Driver’s Licenses or State IDs
  • Vehicle Descriptions (Make, Model, Year)
  • Photocopies of Insurance Cards
  • Eyewitnesses: Names and Phone Numbers
  • Accident Scene Address/Location
  • Responding Police Officer’s Name and Badge Number

Additionally, be sure to take photos of the accident to include the vehicles involved. Do not admit fault to anyone, even if you think it was your fault. The claim process can be started while you are still at the accident scene. File your claim online, by phone, or from an app if that is an option with your carrier. 

At Oliver Insurance in Canby, OR, we are your auto insurance professionals and can help you from opening a policy to filing a claim. At Oliver Insurance in Canby, OR we strive to deliver exceptional service while treating our customers like family. Give us a call today to learn more about our insurance services.

Why do Oregon car owners need auto insurance?

Those that are in the Canby, OR area will want to own a vehicle to ensure they can get around the community efficiently. Whenever you are in the process of buying a car, you will also want to evaluate your auto insurance needs. There are a few reasons that the typical car owner here will need to have this insurance coverage. 

Stay in Compliance with Insurance Requirements

A reason that car owners in this state will need to carry insurance is so they can stay in compliance with their requirements. An Oregon car owner is likely to take out a loan when buying a car, which will require the owner to carry a collision and comprehensive plan. Further, vehicle owners and drivers in this state need to have liability insurance whenever they are going to drive their cars. Having an insurance plan will ensure you remain in compliance with these requirements.

Protect Investment and Asset

If you choose to purchase a car, you will be making a big investment and asset purchase. Due to this, you will want to make sure you are protecting and insuring your investment as well as you can. A great way in which this can be done is by getting proper insurance as it will help to ensure your investment in your asset is protected. 

People that are in the Canby, OR area need to ensure that they have proper insurance coverage for their vehicle. If you are assessing your insurance needs in this part of the state, it would be a good idea to call Oliver Insurance. The team with Oliver Insurance will provide you with all of the support that is needed to understand your insurance options and needs. They can then provide the support necessary to build an ideal plan. 

Essential Tips for Auto Insurance

Most motorists understand that purchasing auto insurance is a necessity. However, how much to purchase and what type may sometimes be a little difficult to navigate. Certain tips may help drivers determine what they need, in terms of auto insurance, as well as what they don’t need. Other essential tips include additional factors that may or may not affect what you pay for auto insurance as well as what is covered by different types of auto insurance. 

Consider Your Unique Situation
When it comes to determining how much and what type of auto insurance you need, your own unique situation should always take precedence over everything else. Of course, you will have state minimum requirements that you must meet regardless, but there will be other things to consider beyond the legal requirements to drive. Consider the cost of your insurance and its affordability. This is extremely important when it comes to determining the right deductible for your financial situation. You should also report changes in your driving that include reduced mileage. This could lower your insurance rates as well. Plus, it’s another specific detail about your driving history that should be reflected in your auto insurance coverage. 

Understand the Difference Between Collision and Comprehensive coverage
The Canby, OR team of Oliver Insurance understands that this may be confusing to many motorists. Collision insurance is associated with car accidents that involve a collision. This is the easiest way to understand this type of coverage. However, hitting a deer in the middle of the road wouldn’t necessarily fall under collision coverage. This is where a comprehensive insurance policy would come into play. Following the same thought, if you turn to avoid hitting a dear and collide with another car, collision coverage would include this accident. Conversely, comprehensive insurance would cover losses and accidents that don’t necessarily result from driving a car. This includes losses that come from theft, severe weather conditions like hail, storms, and fallen trees. Hitting a deer would also fall under comprehensive insurance coverage. Typical circumstances that are covered by comprehensive insurance include fire, wind, hail, flood, theft, vandalism, falling objects, and hitting an animal. If you have questions regarding the best auto insurance policy for you you and your situation, give us a call. We’re happy to help guide your decision-making process and answer all of your questions. 

What auto insurance must Oregon residents carry

Owning a vehicle and having a driver’s license comes with some responsibilities. One of them is to maintain the state-mandated auto insurance on your vehicle. It is your responsibility to know what those mandates are before taking a vehicle out onto the road. At Oliver Insurance in Canby, OR our experienced team has been serving the area since 1972. Our goal is to make sure you are in compliance with the law and have the perfect coverage for your needs. 

In Oregon, it is not legal to drive a vehicle without auto insurance. You can’t register a vehicle without it. Every driver must cover their vehicle with at least $25,000 in liability for each person in a crash and $50,000 for the total accident. Additionally, there must be $20,000 for property damage. Drivers must also have $15,000 PIP (personal injury protection) and insured motorist at the same minimum and maximum as the bodily injury.

The state of Oregon takes not having the required auto insurance very seriously. Depending on the circumstances that bring your lack of insurance to the attention of the authorities, you could be fined anywhere from the minimum of $130 to more than $5000. 

If you live in Oregon and have an auto loan or a lease, you will have additional requirements. You must protect the vehicle you’re driving in the event it gets damaged. This requires you to carry collision and comprehensive coverage. Even if you don’t have a loan or lease, if your vehicle is worth more than a couple of thousand dollars, it is probably a good idea to maintain comprehensive and collision coverage. Living without a vehicle would be a hardship for most people and having the ready money to replace or repair your vehicle may also be difficult.  

Contact Oliver Insurance in Canby, OR for your auto insurance needs. 

7 Tricky Terms to Know When Getting Auto Insurance

Do you know much about automobile insurance? Whether you’re getting auto insurance for the first time or simply haven’t had much experience, there are terms that you’re bound not to know. Oliver Insurance of the Canby, OR area can help break these down further for you.

Deductible

This refers to the amount you’re expected to pay out-of-pocket when you have damages. You pay this before you get reimbursement from your insurance company. The higher your deductible, the lower you’ll pay for your premium.

Premium

This is the amount you’ll pay for the right to have coverage under their policy. Usually, you decide if you want to make the payments on a monthly, quarterly, or 6-month basis.

Liability Limits

Even though you may have auto insurance, you don’t just get any amount you wish. The policy has a set limit on what it pays out for injuries and damages. It’s possible to raise your limits but this also raises your premiums.

At Fault

At-fault refers to the individual (or several people) who are determined to be at fault for an accident. Typically, the person who is at fault (or their insurance company) will be required to pay most of the damages to each vehicle that was involved.

Rider

This is also known by the term "endorsement". It refers to a written agreement that’s included with the basic insurance policy allowing for the number of benefits under the policy to increase or decrease.

Liability Coverage

This covers injuries and property damage to another party when you are deemed to be at fault. It’s required by each state in one form or another.

Comprehensive Coverage

Though it’s sometimes called "full coverage", comprehensive is not actually full coverage. It covers damages that occur to your automobile from collisions and outside elements such as vandalism, theft, hail, fire, flood, and wind.

There’s a great deal more to learn when it comes to auto insurance. Fortunately, you have quality assistance on your side with Oliver Insurance of Canby, OR and beyond. Reach out to us with your questions.

How Much Auto Insurance Do I Need?

The drivers of Canby, OR aren’t usually thinking about their auto insurance when they get in their vehicles. They’re thinking about whether or not they’ll make it to a destination in time and which routes they’ll take. Maybe they’re just thinking that they can’t wait to hit the open road. But as much as insurance might be the last thing on their mind, that won’t help if they realize they don’t have enough coverage down the line. Oliver Insurance wants you to know more so you can get what you need. 

A Few Questions 

There are a few major questions to ask yourself before selecting an amount of coverage:

  • Can you cover expenses if you opt-out of certain types of coverage? For example, if you choose liability only, this will not cover the damages of your car in the event that you cause an accident. If you need to replace your car entirely, are you prepared to do this?
  • What kind of upgrades have you made?  If you’ve outfitted the car with the latest stereo equipment or after-market parts, you’ll need to let your insurance carrier know this, otherwise, these items may not be covered should they be damaged or stolen. 
  • How do you use the car? If you’re using your vehicle for business purposes in Canby, OR, you may need more coverage than someone who’s merely driving it to church once a week. 

Knowing the Difference 

If you have questions about the different levels of policies available to you, Oliver Insurance is here to help. We serve the people of Canby and ensure that they get the perfect amount of coverage for them. When you’re ready to discover how different types of coverage will function for you and your needs, contact us today. 

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