Auto Insurance in Bend, OR

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The Importance of Car Insurance in Bend, Oregon

The city of Bend, Oregon, is a mid-sized locale that sits in the center of the state and is home to over 76,000 people. With this many residents on the road, it’s no surprise that in 2019 the community saw an average of 2.69 vehicle accidents each day, with 48% resulting in an injury to the driver or passenger and 52% causing physical damage. Whether you're taking Century Drive Highway to Mount Bachelor or commuting to downtown on Franklin Avenue, be sure to protect your vehicle with car insurance in Bend, OR. 

Accident Trends in Bend, Oregon

At VIU by HUB, we provide car insurance in Bend OR, so you and your vehicle are covered in the event of an accident. Though fender benders can happen at any time, over 70% of the crashes in 2019 were on dry roads, and 80% occurred during daylight hours. The most common causes of collisions in this city are:

  • Following too closely: 24%
  • Improper driving: 21%
  • Failure to yield: 18%
  • Speeding:14%

Though you can control your driving behavior, you can’t predict how other drivers navigate their vehicles. This is one reason why having car insurance in Bend, OR is always necessary. 

State Insurance Requirements

Protecting yourself and your vehicle against uninsured drivers is not optional in Oregon. The state requires drivers to carry a minimum of $25,000 per person and $50,000 per accident in uninsured motorist coverage on their car insurance in Bend, OR.

You may be wondering why this is a requirement. In 2018, 25% of drivers involved in auto accidents didn’t have any insurance. VIU by HUB provides this additional coverage to protect you against financial loss if the at-fault driver doesn’t have insurance or the accident is a hit-and-run. Carrying this coverage means that you can recover the cost of your medical bills, the repair or replacement of your vehicle, and any lost wages through your insurance company. 

In addition to the uninsured motorist coverage, carrying liability car insurance Bend, OR is required by law. Liability insurance pays other drivers if you are at fault for an accident that causes injury or damage to their property.

Additional Coverage That’s Smart to Have

As well as the required coverage, other add-on options are wise to have as well:

  • Comprehensive – Not all damage to your vehicle comes from an accident caused by another driver. Comprehensive coverage covers loss caused by weather, earthquakes, vandalism, and theft. These policies may have a deductible, which means you pay a part of the cost to repair your car, and your insurance covers the remaining balance. 
  • Electronics and Custom Equipment – If your car has a top-of-the-line stereo system or an after-market computer, it’s vital to get additional coverage for these expensive items. Any equipment that doesn’t come standard with the car should have increased limits to cover the replacement value if stolen or damaged. 
  • Medical – Many people believe that there isn’t a need for additional medical coverage if they have medical insurance. However, there are two reasons to consider this extra benefit. If another driver hits you and doesn’t have enough liability insurance to cover your medical expenses, and if you don’t carry underinsured insurance, you may be stuck paying the bills. Even if you go after the other driver in court, it can take months or even years to recover those damages. Secondly, if you have a high deductible health insurance plan, this extra coverage can help pay what your medical insurance doesn't.

This information is intended for general informational purposes only and is not intended to constitute legal advice.

Auto insurance in Oregon by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.