One of the problems that I sometimes observe is people that are uninsured. If your insurance agent does not discuss the amount of insurance you have, you should change insurance agents. Here are some of the things to look for, and are common areas in which people can be under-insured. (more…)

Every automobile insurance policy in Oregon is required to include personal injury protection benefits, or PIP, in the amount of at least $15,000. This PIP protection benefit applies to the insured driver, other family members, children living with the insured (even if unrelated) and passengers. It also covers pedestrians and bicycle riders involved in a collision with a motor vehicle. PIP primarily provides coverage for medical care.  However, it also provides some coverage for lost wages, and some other coverage such as funeral expenses up to a given amount. (more…)