{"id":13801,"date":"2015-10-23T14:37:13","date_gmt":"2015-10-23T21:37:13","guid":{"rendered":"https:\/\/letusfightforyou.com\/ppc\/?p=845"},"modified":"2015-10-23T14:37:13","modified_gmt":"2015-10-23T21:37:13","slug":"5-common-misconceptions-about-car-insurance-laws","status":"publish","type":"post","link":"https:\/\/letusfightforyou.com\/ppc\/5-common-misconceptions-about-car-insurance-laws\/","title":{"rendered":"5 Common Misconceptions About Car Insurance Laws"},"content":{"rendered":"

The insurance company decides where my car can be repaired<\/strong><\/p>\n

Wrong!\u00a0 In Oregon you have a right to choose where your car is repaired.\u00a0 Often, the insurance companies will\u00a0establish “repair networks” with various auto-body shops and “encourage” you to take your car to one of those shops.\u00a0 Some, less scrupulous insurance adjusters might imply you have to take your car to one of their shops.\u00a0 But that is not true.\u00a0 You have a right to choose where your car gets repaired.<\/p>\n

I have 30 days of insurance coverage when I buy a new car<\/strong><\/p>\n

This is a common misconception.\u00a0 There is no law or statute in Oregon which automatically provides you with insurance coverage for a newly purchased car.\u00a0 Every insurance policy will have terms in it spelling out how many\u00a0days you have to notify them of the new purchase.\u00a0 If you fail to comply with the terms of your insurance policy you will NOT be covered.\u00a0 Some companies do allow you 30 days to notify them, not all.\u00a0 Be sure to talk to you agent about this or review your policy.\u00a0 It is always best to notify your insurance agent immediately after purchasing a vehicle to be sure you have proper coverage.<\/p>\n

Full coverage means I have the maximum available insurance coverage<\/strong><\/p>\n

Honestly,\u00a0there is no such thing as “full coverage”.\u00a0 Car insurance is comprised of\u00a0various factors\u00a0such as:<\/p>\n

Liability policy limits<\/h6>\n
Personal Injury Protection benefits<\/h6>\n
Comprehensive\/collision coverage<\/h6>\n
Car rental coverage<\/h6>\n
Emergency road-side assistance coverage, and more.<\/h6>\n

Some people have coverage that covers all of the above, but still carry only minimum liability limits.\u00a0 Others may have high liability limits, but because they have an old vehicle do not carry collision coverage.\u00a0 Make sure you talk to your agent about all the coverage available and what may be appropriate for you.<\/p>\n

Increasing my policy limits only protects me if I get sued<\/strong><\/p>\n

The minimum liability limits in Oregon is $25,000 per person $50,000 per claim.\u00a0 That means that if you are at fault for causing\u00a0a car\u00a0accident your insurance company will pay up to\u00a0$25,000 per person up to a total of $50,000 per claim.\u00a0 If you hit a car causing serious injuries to four occupants, your insurance would pay a\u00a0maximum<\/strong>\u00a0of $50,000 to compensate all four.\u00a0 If their combined claims exceed $50,000 you would be responsible out of pocket for the remainder.\u00a0 This is one very important reason to increase your limits.\u00a0 But there is another, equally important reason to increase your limits.\u00a0 If you were seriously injured in a car accident by someone who only carried the minimum policy limits you would only be able to recover $25,000 from he’s\/her insurance company.\u00a0 Often, $25,000 will not be enough to compensate you for your medical bills, wage loss, rehabilitation, pain & suffering.\u00a0 While you can sue the at-fault driver, in all probability they are judgment proof; they don’t have any assets to cover your claim.\u00a0 However, if you had higher policy limits on your own policy you would be able to make a claim with your own insurance company for additional compensation.\u00a0 This is why carrying higher limits is always recommended.\u00a0 It is one of the best ways to protect yourself and your family from underinsured drivers.<\/p>\n

My health insurance will pay for medical bills after a car accident<\/strong><\/p>\n

In the state of Oregon, every automobile insurance policy includes coverage for personal injury protection benefits (PIP for short).\u00a0 Your car insurance PIP benefits will pay for all reasonable and necessary medical treatment resulting from the accident up to the policy maximum.\u00a0 In Oregon, every PIP policy includes at least $15,000 in medical benefits incurred the first year after the car crash.\u00a0 You can talk to your insurance agent about increasing that benefit by dollar amount or time.<\/p>\n

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The insurance company decides where my car can be repaired Wrong!\u00a0 In Oregon you have a right to choose where your car is repaired.\u00a0 Often, the insurance companies will\u00a0establish “repair networks” with various auto-body shops and “encourage” you to take your car to one of those shops.\u00a0 Some, less scrupulous insurance adjusters might imply you […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_angie_page":false,"page_builder":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-13801","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\n5 Common Misconceptions About Car Insurance Laws - Shlesinger & deVilleneuve Attorneys, P.C.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/letusfightforyou.com\/ppc\/5-common-misconceptions-about-car-insurance-laws\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Common Misconceptions About Car Insurance Laws - Shlesinger & deVilleneuve Attorneys, P.C.\" \/>\n<meta property=\"og:description\" content=\"The insurance company decides where my car can be repaired Wrong!\u00a0 In Oregon you have a right to choose where your car is repaired.\u00a0 Often, the insurance companies will\u00a0establish “repair networks” with various auto-body shops and “encourage” you to take your car to one of those shops.\u00a0 Some, less scrupulous insurance adjusters might imply you […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/letusfightforyou.com\/ppc\/5-common-misconceptions-about-car-insurance-laws\/\" \/>\n<meta property=\"og:site_name\" content=\"Shlesinger & deVilleneuve Attorneys, P.C.\" \/>\n<meta property=\"article:published_time\" content=\"2015-10-23T21:37:13+00:00\" \/>\n<meta name=\"author\" content=\"Shlesinger & deVilleneuve Attorneys\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Shlesinger & deVilleneuve Attorneys\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/letusfightforyou.com\\\/ppc\\\/5-common-misconceptions-about-car-insurance-laws\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/letusfightforyou.com\\\/ppc\\\/5-common-misconceptions-about-car-insurance-laws\\\/\"},\"author\":{\"name\":\"Shlesinger & deVilleneuve Attorneys\",\"@id\":\"\\\/#\\\/schema\\\/person\\\/24841b4e4a68d1ce8d5c095e49be756d\"},\"headline\":\"5 Common Misconceptions About Car Insurance Laws\",\"datePublished\":\"2015-10-23T21:37:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/letusfightforyou.com\\\/ppc\\\/5-common-misconceptions-about-car-insurance-laws\\\/\"},\"wordCount\":645,\"commentCount\":0,\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/letusfightforyou.com\\\/ppc\\\/5-common-misconceptions-about-car-insurance-laws\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/letusfightforyou.com\\\/ppc\\\/5-common-misconceptions-about-car-insurance-laws\\\/\",\"url\":\"https:\\\/\\\/letusfightforyou.com\\\/ppc\\\/5-common-misconceptions-about-car-insurance-laws\\\/\",\"name\":\"5 Common Misconceptions About Car Insurance Laws - 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