Ernie Smith Insurance, Inc.

Serving Gresham Area Since 1960                                         Call Today 503-665-0153

General Information

 

Your premium is based on:

We want to provide you with the best insurance to fit your needs. We look at many details when choosing the best insurance company for the best price available. We also focus on many other factors, such as the quality of service provided, the claims process, policy provisions, and coverage limits.

 

You should be prepared with the following information:

· The levels of coverage you need. Buy enough to protect your assets; minimum levels of coverage may not be enough:

-- Bodily Injury and Property Damage Liability (Oregon law requires a minimum of $25,000 per person/$50,000 per accident for injury to others and $10,000 for damage to the property of others); 

-- Personal Injury Protection (PIP) (Oregon law requires a minimum of $15,000 per person); 

-- Uninsured Motorist coverage (Oregon law requires a minimum of $25,000 per person/$50,000 per occurrence for bodily injury); 

-- Comprehensive/Collision coverage (optional). 

 

· Driving record(s). You can get a copy of your Oregon driving record from the Division of Motor Vehicles.

· Driving distance from home to work.

· Car(s) year, make, model, vehicle identification number (VIN), and any safety or security features, average annual mileage.

· Social Security number(s)

· Marital status

· Address, including zip code

· Date(s) of birth of driver(s)

 

Oregon law requires all drivers to carry at least minimum levels of liability insurance on their cars.