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Personal Insurance

Auto coverage built for how Oregon actually drives.

Rain nine months of the year, deer on the Silver Falls back roads, and a commute down Highway 213 or I-5 that most Silverton drivers make every day. We build policies around how you actually drive, not a generic template.

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The Basics

What a personal auto policy protects.

A personal auto policy covers liability if you are at fault in an accident, physical damage to your own vehicle, and protection if you are hit by an uninsured or underinsured driver.

Oregon requires personal injury protection on every auto policy, which is not true in most states, and it changes how your medical coverage stacks after a crash. We walk through what that means for your limits rather than defaulting you to the state minimum.

  • Liability coverage for injury or damage you cause to others
  • Collision and comprehensive coverage for your own vehicle
  • Personal injury protection and uninsured motorist coverage
  • Options for roadside assistance and rental reimbursement

Oregon Driving Realities

  • • Wet-weather collisions most of the year
  • • Deer and wildlife on rural county roads
  • • Daily commutes to Salem and Portland
  • • Required personal injury protection
What’s Included

Core protections under a personal auto policy

Liability Coverage

Pays for injury or property damage you cause to others in an at-fault accident.

Collision Coverage

Repairs or replaces your vehicle after a collision, regardless of fault.

Comprehensive Coverage

Covers non-collision losses like theft, vandalism, falling limbs, or hitting a deer.

Personal Injury Protection

Required in Oregon. Covers medical costs for you and your passengers regardless of fault.

Uninsured/Underinsured Motorist

Protects you if you are hit by a driver with little or no insurance.

Roadside & Rental

Optional coverage for towing, roadside assistance, and a rental car during repairs.

Common Questions

Auto Insurance FAQs

Does my auto policy cover hitting a deer?
Yes. Comprehensive coverage typically covers collisions with animals, which is a common claim on rural roads around Marion County.
What is personal injury protection and do I need it?
Oregon requires PIP on personal auto policies. It pays medical expenses for you and your passengers after a crash regardless of who caused it. We can talk through whether the minimum limit is enough for your household.
What happens if I’m hit by an uninsured driver?
Uninsured motorist coverage steps in to cover your injuries and damage when the at-fault driver does not carry adequate insurance.
Can I bundle auto with my home insurance?
Yes. Bundling auto and home with the same carrier usually qualifies for a multi-policy discount, and we compare the bundled price across several carriers rather than assuming one wins.

Let’s talk about your auto insurance coverage.

Silverton-based advisors who know Oregon roads and Oregon carriers.

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