Driving without car insurance can lead to fines and suspended driving privileges, among other penalties.
A report from the Insurance Research Council estimated that 9 percent of Oregon drivers were uninsured in 2012. This was below the national average of 12.6 percent.
To protect your finances from drivers without sufficient liability insurance, Oregon requires you to add uninsured motorist bodily injury coverage to your policy. You can also add uninsured motorist property damage coverage, which is optional, to help pay for your ride's repairs or replacement after an accident with an uninsured driver.
Plus, motorists in the Beaver State can benefit from a state law that allows digital proof of insurance, meaning drivers can pull up their auto insurance ID cards on their smartphones or other devices as legitimate evidence of auto coverage if they get pulled over in a traffic stop. If you're covered by Esurance in Oregon, you can access your ID cards and much more in our useful mobile app.