Auto
Insurance
C o n s u m e r g u I d e t o
oregon InsurAnCe dIVIsIon
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table of contents
Choosing an insurer ........................................................................................................2
Auto insurance basics .................................................................................................. 2-4
Underwriting standards ..............................................................................................................2
Credit scoring ...............................................................................................................................2
Rating categories ..........................................................................................................................3
Types of coverage .........................................................................................................................3
Extra liability coverage ................................................................................................................4
Your right to be treated fairly .....................................................................................................4
What to do if you can’t get coverage ..........................................................................................4
A safety net for consumers .........................................................................................................4
Oregon requirements ......................................................................................................5
Required coverages ......................................................................................................................5
Proof of insurance ........................................................................................................................5
Filing a claim ....................................................................................................................6
Dealing with total-loss claims ..........................