Auto Insurance
A well designed auto policy covers more than the state minimum coverage and provides adequate protection for everyone in your family. These policies have many parts, they can provide coverage for state requirements as well as optional coverages that you get to choose.
Bodily Injury Liability – If you are in an accident that is your fault and someone is injured, this coverage is required and can help pay their medical bills as well as loss of income.
Property Damage Liability – If you cause an accident, this coverage helps to pay for claims of damage to another person’s property or vehicle. This coverage is also required in Oregon.
Uninsured Motorist – This coverage can protect you from “hit and run” accidents to your vehicle. This also helps provide coverage against drivers who cause an accident to your vehicle who don’t have any insurance.
Underinsured Motorist – Many drivers choose the minimum liability insurance the law requires. This can leave big gaps in what their policy covers and the actual amount of damages claimed. Electing to have this coverage can protect you against those who don’t have enough coverage.
Medical Payments – Regardless of who is at fault, this coverage helps cover medical bills for both you and your passengers in a covered loss.
Other Optional Coverages include – Comprehensive, collision, roadside assistance, and towing.
We work with PBC Insurance in Eugene for access to their markets for these insurance policies. They have assigned Shannel Martinez as my Account Manager for policies written through their office and she is available to make policy changes, help with payments or shop new policies when I am unavailable. Shannel can be reached at 541-484-6624.
RV Insurance / Optional
Each of these categories have several coverage options and we can help you compare prices.
While similar to auto insurance coverages, RV policies have some coverages just for RV’s.
Vacation Liability – Protection is provided for accidents while your RV is being used as a temporary residence.
Replacement Cost Personal Effects – This coverage pays ahead of any other policy coverage to limit the need to file a claim against your homeowners insurance.
Safety Glass Replacement – This coverage will pay to replace the windshield of your RV or motorhome.
Trip Interruption Expenses – When you are away from your home more than 50 miles, this optional coverage can also cover expenses such as lodging, transportation, and meals.
Motorcycle Insurance
Oregon’s minimum limits of $25,000/$50,000 for bodily injury and $10,000 for property damage may not be enough to provide adequate protection. Since we are an independent agent, we are not limited to just one insurance company, so please call 541-782-4094 for a competitive quote.
Boat Insurance
Physical Damage – Coverage for common risks that include sinking, fire, storms, theft, and collision.
Personal Property – Policies can also cover your property such as the hull, motors, fuel tanks, batteries, anchors, and safety equipment like fire extinguishers and life vests.
Trailer – Optional coverage is available to cover your trailer.
Liability – This coverage applies if your boat causes physical damage to other boats, docks, structures, or injuries to other people. Policies help provide protection against lawsuits, including legal fees and settlement payments to others.
Medical Payments – If elected, coverage can be provided for medical payments coverage for injuries to the insured boat owner and other occupants.
Call 541-782-4094 during business hours or click the button below to contact us for more information.
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