Auto Insurance

Since our inception, AOA West has been helping customers protect the things they value most.  From Auto, Home, Boat, and Motorcycle to Rentals, Collector Cars, and Personal Umbrella protection, AOA West Insurance can provide you with tools to choose the coverage that best fits your needs.  If you and your agent haven’t reviewed your policies recently, do you still have the coverage you need and are you getting all the discounts available to you?  If not, it may be time for some personalized service. At AOA West Insurance, you are more than a policy number or premium figure, you are our lifeblood and we want to help. Contact us to get started with vehicle, homeowners, or renters insurance in Tigard.

Understanding auto insurance—the basics

Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy.

Auto insurance provides coverage for:

• Property – such as damage to or theft of your car;
• Liability – your legal responsibility to others for bodily injury or property damage;
• Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

Basic personal auto insurance is mandated by most U.S. states, and laws vary. Auto insurance coverages are priced individually (a la carte) to let you customize coverage amounts to suit your exact needs and budget.

Policies are generally issued for six-month or one-year timeframes and are renewable. The insurance company sends a notice when it’s time to renew the policy and pay your premium.

Who is covered by my auto insurance—and under what circumstances?

Your personal auto policy only covers personal driving, whether you’re commuting to work, running errands, or taking a trip. It will not provide coverage if you use your car for commercial purposes—for instance, if you deliver pizzas.

Personal auto insurance also does not provide coverage if you use your car to provide transportation to others through a ride-sharing service such as Uber or Lyft. Some auto insurers, however, are now offering supplemental insurance products (at additional cost) that extend coverage for vehicle owners who provide ride-sharing services.

 

Great owners … Very involved in the entire transaction… This is something I have not done in 40 years… I was very resistant on do it as there were a lot of moving parts… They were there thru the whole process… Big T