Do I need uninsured motorist property damage in Oregon?

Uninsured motorist property damage insurance covers the cost to repair or replace the policyholder’s vehicle or other property if it is damaged in an accident caused by an uninsured or underinsured driver. Six states and Washington, D.C., require uninsured motorist property damage insurance, and it’s optional in others.

Uninsured motorist property damage (UMPD) coverage is meant to replace the property damage liability insurance that an uninsured driver should have purchased. As a result, drivers generally buy...

Drivers in Oregon need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $20,000 of property damage liability insurance. Oregon also requires personal injury protection (PIP) and uninsured motorist insurance. PIP covers medical expenses for you and your passengers after an accident, and UM replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.

Here’s How Much Car Insurance Drivers Need in Oregon:

If you’re in a car accident and the other driver has no insurance, then any medical bills or costs to repair your vehicle will need to be paid by your insurance company. This is usually done through uninsured motorist coverage, although collision insurance also covers certain costs. In addition, you might be able to sue the uninsured driver for damages. Some states make filing a lawsuit more difficult than others, though.

Uninsured motorist (UM) coverage...