The State of Oregon requires four mandatory coverages:
- Bodily Injury Liability
- Property damage Liability
- Uninsured Motorist Bodily Injury
- Personal Injury Protection.
Three of the four required benefits under your auto insurance deal with medical expenses. The first one pays the other party you injure if they go to the doctor or hospital. The third one covers you if you suffer injury in a hit-and-run accident or the other driver has no insurance. The last one pays for you and your passengers if you are hurt regardless of fault.
Many people think auto insurance only covers cars, and for good reason, it’s called car insurance, not auto injury insurance. Yes, the prices of automobiles are going up, but so are the costs of medical care. A vehicle has a limited value, but you may not know where your medical expenses and therapy will end after you are released from the doctor’s care.