While liability coverage is mandatory, it does nothing to repair your own vehicle after a crash. With proximity to the Cascade Range and popular destinations like Mount Bachelor, weather can change rapidly, bringing ice, snow, and reduced visibility within a short drive.
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This high-desert city presents a mix of urban commutes and scenic highways, meaning your policy needs to be as versatile as the landscape. Higher vehicle theft rates in certain areas may warrant comprehensive coverage.
Adding layers of protection ensures you are not left covering steep repair bills out of pocket. While these limits meet the legal standard, they can be quickly exhausted in a serious collision, leaving you financially exposed for medical bills or vehicle repairs that exceed these amounts.
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Knowing these numbers is the baseline for building any serious protection plan. Uninsured and Underinsured Motorist Protection Despite legal requirements, not all drivers carry enough insurance.
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