Below, you'll find the coverages we offer. This is a brief description of coverages. This is not a policy or binder and is not intended to represent or be a substitute for policy provisions. Coverages are subject to policy terms and conditions. Limits, exclusions and deductibles may apply. Please read an Oregon Mutual or Western Protectors policy for full coverage details. Coverage may be subject to change.

If you have questions about what coverages are right for you, please consult with your Independent Oregon Mutual Agent

Liability
This protects you, up to the limits of your policy, if others are injured or their property is damaged as a result of your actions while operating a covered private passenger vehicle. You are also covered for legal defense costs arising from a covered incident.

Personal Injury Protection
This provides coverage, up to the limits stated in your policy, for injury, death, and loss of wages or services for you, your family members and other covered passengers of your vehicle.

Medical Payments
This reimburses reasonable charges, up to the limit stated in your policy, for necessary medical services and funeral expenses for you and your passengers for injuries received as a result of a covered auto accident.

Comprehensive
This covers damage to your vehicle by certain perils other than collision, such as vandalism, fire, falling objects and windstorm. You will also use comprehensive coverage if your windshield breaks or if your car is stolen. Comprehensive coverage is subject to a deductible.

Collision
This pays for damage to your covered auto due to collision with another vehicle or other object, or if it overturns. Collision coverage is also subject to a deductible.

Uninsured/Underinsured Motorist
This covers you and your household members, up to the listed coverage limit, for bodily injury resulting from an accident involving a hit-and-run or uninsured driver. It can also provide additional coverage if the other driver has lower limits of liability than you have on your policy.

Other Optional Coverages
You can purchase coverage for towing, emergency repairs and rental reimbursement. Your motorhome may also qualify for coverage in this program.

Coverages and credits do not apply in all states. Ask your Oregon Mutual Agent for details