As a standard independent agency, The Insurance Connection provides fee-free services, a customized approach, and a variety of high-quality auto insurance coverage options to clients throughout Bend, OR.
An auto insurance policy is a contractual agreement that you make with an insurance provider. Once you accept an agreement, you are required to pay a monthly premium in exchange for financial protection and assistance in the event of a covered incident. Other than paying a deductible, you wouldn’t have to pay out of pocket to cover the costs associated with repairs, replacements or injuries. It is important to note, however, that this coverage comes with limitations, terms and exclusions. Not every insurance policy is created equally. It is very important that you have a discussion with your insurance agent about your options when it comes to your auto insurance coverage.
The Insurance Connection provides both personal auto insurance and commercial auto insurance to Oregon residents. Knowing what type of policy you will need sometimes requires the help of one of our local Bend, OR licensed agents. The state of Oregon requires that private vehicle owners purchase at least a minimum level of coverage. Minimum requirements include $25,000 bodily injury liability coverage per person and $50,000 per accident, $20,000 property damage liability coverage, and $15,000 in personal injury protection. Other legal limits may apply to commercial vehicles depending on their usage. Again, our friendly local Bend, OR agents can help you determine what coverage options are best for you or your business.
The two most common types of private auto insurance policies are liability and what is often referred to as full coverage. As previously mentioned, liability insurance is a legal requirement in the state of Oregon for the operation of a vehicle on public roads. Although liability insurance doesn’t cover your vehicle, it does help to make sure that you are able to cover damages and medical bills of other motorists, in the event that you are at-fault in an accident.
Although the specifics may vary based upon the insurer or policy you choose, full coverage will typically include liability coverage, personal injury protection, uninsured motorist, underinsured motorist, collision coverage, and comprehensive coverage. Collision coverage helps to cover the costs of repairing and replacing your vehicle after an accident. Comprehensive coverage, on the other hand, covers damages that aren’t caused by accidents or collisions. This can include everything from theft and vandalism to fires and flooding.
One of the main reasons you should choose The Insurance Connection is because of our unique approach. We believe in providing you with custom, personalized services that take into account your individual budget, needs, and desires. As an independent agency, we are able to serve as consultants, even going as far as sitting down with you to sort through potential carriers and plans until we find the perfect fit.