Dfr.oregon.gov

Division of Financial Regulation : Auto insurance 101

Oregon law requires every car to be covered by automobile insurance. The cost for coverage varies so it is important to shop when choosing an insurance company. Your driving record and premiums. Premiums reflect your driving record for the past three years. Insurance companies order driving records from the Oregon DMV and from other states.

Actived: 4 days ago

URL: https://dfr.oregon.gov/insure/auto/Pages/auto-insurance-101.aspx

Commercial auto insurance

Commercial auto insurance tips. If your business owns or leases a vehicle, make sure its name is listed on the policy as the principal insured. If your employees operate a company car, make sure they have good driving records and are trained properly. Consider increasing insurance on your business vehicle to cover permanently attached items

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Proposed Bulletin: 2021 auto rates and filings for private

Auto insurance carriers are required to submit a rate filing with the division for all private passenger auto insurance policies to accurately reflect the changes in driving behavior that have occurred. Insurers should include information on …

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Shop around for your insurance

Auto insurance helps protect you and your family from losses resulting from motor vehicle accidents. Oregon law requires every car driven on public roads to be covered by automobile insurance. The cost for coverage varies widely among companies doing business in Oregon.

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Winter weather and insurance claims

Auto insurance coverage follows the vehicle, so your car will generally be covered while your relative is driving, the same as if you were driving. For example, if your family member slides off an icy road and you do not have collision coverage, there would not be coverage for any damage to the car itself, no matter who was driving.

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Division of Financial Regulation : Repair shops : After an

Make sure you are satisfied with the finished work before the insurance company pays the repair shop. Does the insurance company have to pay for new factory parts to fix my car? Actually, no. Insurance companies can opt for aftermarket or recycled parts instead, as a way to help keep your premium costs down.

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Division of Financial Regulation : Liability insurance

You will need an auto insurance policy for this. Claims related to wrongful practices by professional service providers (e.g., health care providers, lawyers, and consultants). You will need professional liability insurance, also known as errors and omissions insurance, for this. Claims related to workers’ compensation insurance.

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CONSUMER&BUSINESS SERVICES DIVISIONOFFINANCIAL …

An insurance holding company registration statement was filed by the Company in accordance with the provisions of ORS 732.552, ORS 732.554, and Oregon Administrative Rule (OAR) 836- …

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2019 Total Confirmed Complaint Life Companies

auto-owners life insurance company 49,154 0 0 0 axa equitable life and annuity company 89,893 0 0 0 axa equitable life insurance company 7,948,263 0 0 0 baltimore life insurance company (the) 279,279 0 0 0 bankers fidelity life insurance company 6,541 0 0 0

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Division of Financial Regulation : Car insurance FAQs

Auto insurance policies generally do not cover personal property stolen from your vehicle or damaged in an accident. (Homeowner or renter policies do, but you will probably have to pay a deductible first and there can be limits on certain types of items.)

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Division of Financial Regulation : Auto insurance : COVID

Several auto insurance companies have been working with the Oregon Division of Financial Regulation to provide auto insurance premium refunds and credits to Oregonians. The refunds and credits are due to the reduced risk of auto accidents because of the Stay Home, Save Lives emergency order.

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Division of Financial Regulation : COVID-19 insurance and

Health insurance emergency order – Expired Sept. 30, 2020 . Property and Casualty emergency order – Expired Sept. 29, 2020 . Long-term care emergency order – Expired Sept. 20, 2020 . Life and disability insurance emergency order – Expired Sept. 20, 2020

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Division of Financial Regulation : COVID-19 information

Auto insurance guidance for expired driver’s license and vehicle registrations To provide immediate guidance to the insurance industry in support of Gov. Brown’s Executive Order and a recent DMV bulletin , the Oregon Division of Financial Regulation expects insurers to refrain from using the expiration of policyholders’ driver licenses or

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Division of Financial Regulation : Laws and rules

Motor Vehicle Liability Insurance - OAR Chapter 836, Div. 058. Insurance policies (ORS Chapter 743) - OAR Chapter 836, Div. 060. Vendor’s single Interest Policies and Motor Vehicle Physical Damage Only Policies - OAR Chapter 836, Div. 062. Insurance Licensing - OAR Chapter 836, Div. 071. Insurance Producers, Adjusters and Insurance Consultants

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DFRI F ,~ancial Aogut;rtion and Sus ness Services

Auto insurance carriers are required to submit a rate filing with the division for all private passenger auto insurance policies to accurately reflect the changes in driving behavior that have occurred. Insurers should include information on …

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Division of Financial Regulation, Draft Bulletin: Consumer

The Insurance Code limits the type of exclusions that may appear in a personal auto liability policy with regards to minimum insurance requirements1, but it does not restrict what may be excluded from excess coverage. Policy language and marketing materials are required to clearly and unambiguously communicate the extent and nature of coverage.

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Division of Financial Regulation : Manufactured home

Consumer questions and answers on manufactured home insurance. Actual cash value: Actual cash value considers depreciation; which is the age of the home, and wear and tear. If a manufactured home is expected to last 20 years, and it is destroyed when it is 10 years old, its actual cash value would be the replacement value minus 10 years of depreciation and wear …

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Division of Financial Regulation : Saving money

Ask your insurance company about an “accident forgiveness” clause that guarantees premiums will not increase after one minor accident. Consider raising your policy’s deductible and only allowing your teen to drive the family’s oldest, least expensive car. In most states, auto insurance premiums are linked to the type of vehicle driven.

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TOP TEN AUTO INSURANCE MYTHS

Auto insurance policies generally do not cover personal property stolen from your vehicle or damaged in an accident. (Homeowner or renter policies do, but you will probably have to pay a deductible first and there can be limits on certain types of items.) Bottom line: Do not leave valuables in your car.

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Division of Financial Regulation : Oregon Division of

Insurance for consumers. Auto, home, life, health, and more. Learn about all the insurance products available to protect your family and property. Learn more Financial services for consumers. Banks, credit unions, investments, and debt resources. Get help managing your money to reach your financial goals.

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Division of Financial Regulation : If your claim was

Your insurance company must have a process for responding to emergency complaints (expedited review) more quickly. If your insurance company rejects your first appeal and your plan is through an employer, you may have the right to a second appeal. Your insurance company has seven days to acknowledge each appeal and 30 days to make a decision.

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A consumer’s guide to AUTO INSURANCE

Auto insurance helps protect you and your family from losses resulting from motor vehicle accidents. Oregon law requires every car driven on public roads to be covered by automobile insurance. The cost for coverage varies widely among companies doing business in Oregon. That’s why it’s important to shop around when choosing an insurance

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State provides insurance tips for snowstorm, freezing

Auto. There are three coverage options on an auto insurance policy that typically apply to winter storms. Comprehensive covers damage caused by falling trees or limbs. This includes while your car is parked inside a garage. Collision covers damage to your car that occurs while driving. This includes hitting storm debris or sliding on ice.

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Division of Financial Regulation : What to do if you are

Contact your insurance company as soon as possible. Most policies require prompt notification of a claim. Exchange information. If you have a camera or a camera cellphone, take pictures of the accident scene and damage to all vehicles involved, even if it is a one-car accident. If you do not have a camera, sketch how the accident occurred.

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Division of Financial Regulation : Bulletins : Laws and

2021-6: 2021 auto rates and filings for private passenger auto insurance. 2021-5: Expediting claims handling and other expectations related to wildfires. 2021-4: Guidance on exclusionary language regarding controlled substances. 2021-3: Certificate of Authority Requirements for CMS Global and Professional Direct Contracting Model Participants

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Oregon Insurance Complaints

Auto insurance Company Name 2015 premium Total complaints Confirmed complaints Complaint index 2015 ranking Allstate Fire And Casualty Insurance Company 114,990,081 34 4 0.60 12 Allstate Insurance Company 36,910,320 6 0 0.00 2 Allstate Property And Casualty Insurance Company 24,544,279 3 0 0.00 3

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Form 3626, Standards for Vehicle Rental Company Auto

STANDARDS FOR VEHICLE RENTAL COMPANY AUTO INSURANCE. This checklist (product standards) must be completed and attached under the Supporting Documentation tab. It has been provided as an aid to assist you in preparing your filing. ORS …

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Vehicle rental company auto insurance

Street: 350 Winter St. NE Room 410 Salem, OR. Mailing: PO Box 14480 Salem, OR 97309. Overnight delivery address

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Division of Financial Regulation : Get insurance help

Auto insurance. Insurance is required by law. Learn more about the types of coverage you need and get answers to your auto insurance questions. Learn more . Home insurance. Protecting your home with insurance is an important key to protecting your financial well being. Learn more about the coverage available and how to protect yourself from

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Property and casualty insurance (auto, home, business)

If you have questions about your specific insurance coverage or financial services account, contact the company that handles your policy or account. If you have questions or need to file a complaint on an insurance or financial services company, agent, or professional, contact the division’s advocacy team at 888-877-4894 (toll-free) or email

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DOMESTIC LIST OREGON INSURANCE COMPANIES

9/26/1985 dentists benefits insurance company : 601 sw second ave portland or 97204 503-228-6554 prop/cas: 955977 8/14/2015: enumclaw property and casualty insurance company 4000 kruse way pl bldg 3 ste 200 lake oswego, or 97035 360-825-2591: prop/cas 1827: 9/15/1970 farmers insurance company of oregon: 23175 nw bennett st hillsboro or 97124

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Division of Financial Regulation–5

440 -3626 9/2016 Vehicle Rental Company Auto Insurance Y B 440 -3627 9/2016 Personal and Commercial Inland Marine, Burglary and Theft Y B 440 -4123 10/2016 Legal Expense Organizations Y B 440 -5056 10/2016 Standards for Pet Insurance Forms, Rates & Rules Y B 440 -5057 10/2016 Standards for Collateral Protection, Residual Value

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Division of Financial Regulation : COVID-19 emergency

On May 22, 2020, the Department of Consumer and Business Services issued emergency orders for insurance companies providing property and casualty, long-term care, and life and disability insurance. The Property and Casualty Order was amended on Aug. 1, 2020.

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Bulletin DFR 2021-02: Consumer Disclosure Requirements for

The Insurance Code limits the type of exclusions that may appear in a personal auto liability policy with regards to minimum insurance requirements , but it does not restrict what may be excluded from excess coverage.2 Policy language and marketing materials are required to clearly and unambiguously communicate the extent and nature of coverage.

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Background Summary of Written Comments

Personal auto policies that currently utilize step-down limits may do so without clearly notifying the policyholder of this large decrease in coverage. Step-down limits are permitted under ORS 806.070, and could result in consumer harm without proper notice and disclosure of the reduced liability limits in a personal auto policy.

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Division of Financial Regulation : File a complaint : File

Pharmacy Benefit Manager complaint form: Word | PDF. Note: This form is only for use by a pharmacy or its representative and is only for complaints pertaining to Maximum Allowable Cost (MAC) issues, including appeals of MAC payment amounts. Consumers should use the above “Insurance Complaint Form” to submit a complaint about a PBM. You may e-mail the …

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Oregon Division Page 1 of 1 of Financial

Line of Business: Total Commercial Auto Top 25 Authorized Companies Zero Premium and Loss Companies Excluded All Dollars in Thousands Page 1 of 1 1 Artisan & Truckers Cas Co 10194 WI $56,186 12.15% $52,592 $27,757 52.78% 2 Ohio Security Ins Co 24082 NH $40,691 8.80% $39,164 $33,410 85.31% 3 Great West Cas Co 11371 NE $20,653 4.46% $20,931

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Division of Financial Regulation : Insurance in a sharing

Call your insurance company or agent to discuss your options and whether you might want to consider a commercial insurance policy. Passengers of TNCs. Neither your personal auto policy nor the personal auto policy of the driver will protect you when you are riding in another vehicle for a fee. Before using a ride-sharing service:

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Adventures in Auto Insurance

Adventures in Auto Insurance User Guide Step one: Students break into four teams, each team will pick a car that they will buy. Every car needs to be selected. Step two: Once the cars have been chosen, click on each vehicle and explain the cost and payments. Have students write in their worksheet the vehicle cost and their first car payment.

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r:rnJWr '-DS I Cl Business Services

Insurers that currently have filed auto insurance plans that use sex or gender as a rating factor must also file rates for consumers who choose the "not-specified" gender. Rate and form filings should be made to be effective for policies issued or renewed after January 1, 2019. In the

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Auto Insurance Memorandum

Consumer ard ittDCBS Business Services Division of Financial Regulation . Author: Laura N. Cali Created Date: 3/24/2020 2:06:25 PM

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Division of Financial Regulation : Teen drivers : Saving

Here are some suggestions from the National Association of Insurance Commissioners: Draw up a Teen Driving Contract that clearly defines the rules and consequences associated with driving privileges. Set a driving curfew. More than 40 percent of teen auto deaths occur between 9 p.m. and 6 a.m. Limit the number of passengers in your teen’s car.

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